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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We had a nice time on Saturday when DH, DS1 and I went to the nearby town to celebrate my birthday.

    We were late leaving because we'd run out of rabbit food and the pet shop didn't open unti 10am. And then we were stuck in a traffic jam entering the town due to roadworks and it started to drizzle :(.

    But once we arrived we had a coffee in Costalot which revived me :D and then wandered around the shops so I could spend my birthday money (which I opened early ;)). I bought a spring jacket (£20 0ff with a voucher I was emailed) and a jersey dress in the sale, both of which I was very pleased with. We were very extravagant and had lunch in Byron and then another coffee in Costalot before we left. But I had really nice day.

    Then in the evening DH and I went out for a meal just the two of us and it felt good (and unusual) to have some couple time. So I had a lovely birthday celebration yesterday :).

    Although I felt guilty for having a spendy day :o.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 24 March 2019 at 2:35PM
    Today I'm mainly resting as my tickly cough kept waking me up in the night so I had a very restless night. My ear is still quite blocked and I feel very tired, so we're not working on my business today.

    I've cleaned out the furry moron, done two loads of laundry, one of which is drying in the garden because it's lovely and sunny, and the second load I'm about to hang in the garden on our second clothes horse.

    I'm not going to do very much apart from that as I want to rest and recuperate ready for volunteering and work tomorrow. I also want to start on my new assignment after work on Tuesday as I want to crack on with it a lot sooner this month.

    DS3 should be home next week so I'm really looking forward to that as I won't have seen him for ten weeks. And in a week and a half DS3 will come home from abroad. It will be really nice to have them all home again :D.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • please-let-me-be-lucky
    please-let-me-be-lucky Posts: 10,202 Forumite
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    Glad you had a nice early birthday day. You deserve it Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucky :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad you had a lovely times on Saturday celebrating your birthday. Good for you having lunch out, you deserve a nice treat. :) Hope you and DH also enjoyed your evening out together. xx
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks TF2 :). I always feel guilty spending money but it was nice :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Sun_Addict
    Sun_Addict Posts: 24,480 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a lovely day xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 96,836 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a lovely day :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sun_Addict wrote: »
    Glad you had a lovely day xx
    beanielou wrote: »
    Glad that you had a lovely day :)
    Thanks both of you :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • elizabethhull
    elizabethhull Posts: 767 Forumite
    Part of the Furniture 500 Posts
    Your birthday treats sound lovely, just what you both need, and you really needn't feel guilty (though I know it's instinctive!).
    I would never advocate letting go the reins of economical living, but once in a while, when you actually know you can afford it, it is really good to have a holiday from counting every penny.
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