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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
    edited 15 April 2019 at 10:56AM
    Today I'm going to carry on de-cluttering books. I think I'll find it therapeutic. DH has also said that we can go and buy a plastic shed today :).

    I've already got twelve carrier bags of books and two rucksacks of books in the hall waiting to go the charity shop. So I thought we could drop them off and then buy a shed on the way home. I still have more boxes of books to look through, but I've emptied three plastic boxes already which we can repurpose for other things.

    Yesterday we had some relatives pop in for coffee before they drove home, so I cleaned the bath, shower and sink before they came and DH hoovered and tidied up a bit. So that is a few less jobs to be done today :).
    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
  • Dorastar
    Dorastar Posts: 2,175 Forumite
    Part of the Furniture 1,000 Posts
    Sorry the weekend was tough and not made better by relatives either. I know what you mean about a good clear out. We are at the end of a very long term so there is only one room in the house that I would say looks decent enough for anyone to visit (the downstairs bathroom!) Up late today but plans to go through each room and get them at least tidy today!
    Mortgage £119,533 going down slowly
    Emergency fund £1000/£1000
    Savings for big things £9017
  • jwil wrote: »
    I'm tempted by the fence myself!

    Well done on the decluttering. I love books, but now I have got rid of the ones I don't love, I feel so much better. I've got rid of thousands, but now I just admire the ones I've kept as they bring me joy!

    I hope today has gone as well as it can have xx

    I agree that if I just have the books I love then I'll get more pleasure out of those.
    Sadly not. Our house is stone, and is dry lined so there is a gap between the stone and the plaster, The mice live inside the walls and in the loft. When it is really bad you can hear them going up and down inside the bedroom wall :eek: Every so often you see a cat sat patting the wall as they can hear the mice but not get to them. I'd poke the cats into the loft but you can't get access to half of it as the chimney blocks the middle, and I worry that some fluffy idiot would refuse to come down.

    I hope today was ok.

    I am in awe at your exit of books.

    Our mice are running around the living room and kitchen too :eek: so the problem is quite urgent. Hence my mad de-cluttering.
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sorry the weekend was so tough.

    Take care

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Dorastar wrote: »
    Sorry the weekend was tough and not made better by relatives either. I know what you mean about a good clear out. We are at the end of a very long term so there is only one room in the house that I would say looks decent enough for anyone to visit (the downstairs bathroom!) Up late today but plans to go through each room and get them at least tidy today!

    Thank you Dorastar. I've been neglecting the house a bit in the term time too so I'm raring to go with the tidying and de-cluttering which will then make it easier to clean. Good luck with your tidying :).
    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
  • Sorry the weekend was so tough.

    Take care

    x

    Thank you Wannabe. I'm just so thankful it's over.
    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
  • I've found a few more books I don't want. I now have sixteen carrier bags and two rucksacks in the hall full of books :eek: :eek:.

    DS3 was passing through the hall on the way to the shop and he expessed total amazement at how many books I have :o. DS3 also suggested I might want to warn the charity shop in advance that about a thousand books are heading their way :eek:.

    He makes a good point and we have raised him well ;). So I think I'd better ring the charity shop and ask how many they could cope with. Luckily there are lots of charity shops in the town where we live, so we could spread the joy around a bit!

    I feel quite tired and achey now. There are still more books to look through, but I think I'll leave that for another day! I'm in a de-cluttering frenzy at the moment. It's probably a displacement activity but it needs doing.

    I also looked in the bathroom cupboard and found two full boxes of Laxido that were out of date so I chucked those away. Even DH has been infected by my de-cluttering frenzy becuase he threw away two empty bottles of aftershave the other day :rotfl:.
    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
  • teapot2
    teapot2 Posts: 3,575 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi HH, sorry to hear how emotionally draining the weekend was but you have survived it and can hopefully move on.

    A decluttering frenzy is definitely a positive displacement activity, well done on efforts so far. I think spreading the books around different charity shops if thats possible is a good idea.

    Did you know you can take out of date meds back to any pharmacist for disposal? I usually do that as I don't want to put them in with the household rubbish.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 15 April 2019 at 4:22PM
    Now that I'm earning a little bit of money on a regular basis, and assuming DH can bring in enough to pay the bills, I'd like to save up for a few storage items to improve our lives in the house, save up for motoring expenses, and also save for emergencies. I earn £180 a month after deductions, so If I was to save £50 a month for storage, £50 for motoring expenses and £50 a month for emergency savings, that would leave me £30 a month for frittering.

    STORAGE
    The storage I'd like to save up for includes:

    -A triple wardrobe
    -Three lamp tables with storage included
    -Sideboard in breakfast room
    -Built in storage under the attic stairs

    If we bought a triple wardrobe then DH and I would have more room for our clothes and we could put our double wardrobe in DS1's room as he doesn't have a wardrobe. The lamp tables would be used as individual coffe tables for me, DH and DS1 (as the only regular users of the living room). If we had a sideboard or small dresser in the kitchen room we'd have somewhere to store our best plates, tableclothes, placemats, etc. The area under the attic stairs is a dumping ground for clutter and if we had built in storage with doors to hide the clutter if would become an amazing storage area.

    SAVING FOR BILLS
    If I could save £50 a month for motoring expenses then that would build up into a nice pot over time.

    SAVING FOR EMERGENCIES
    If I saved £50 a month for emergencies then that would also build up into a nice pot over time.
    I could either transfer it over to my new Mr T online saver account, or I'm slightly tempted by the idea of premium bonds. The main reason I would consider premium bonds is that it would make it harder to spend them. I feel that having premium bonds and having to actually sell them to get the money would put a psychological barrier on the way of me or DH being tempted to fritter the money away.
    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 15 April 2019 at 11:24AM
    teapot2 wrote: »
    Hi HH, sorry to hear how emotionally draining the weekend was but you have survived it and can hopefully move on.

    A decluttering frenzy is definitely a positive displacement activity, well done on efforts so far. I think spreading the books around different charity shops if thats possible is a good idea.

    Did you know you can take out of date meds back to any pharmacist for disposal? I usually do that as I don't want to put them in with the household rubbish.

    Thank you TF2 :). I'm just so glad the weekend is over.

    I am pleased with myself after my de-cluttering efforts, although slightly embarrassed at how many books I acquired :o but I think buying the books was a displacement activity after my sister died, and at least they were all bought in charity shops and not new. I can see now that I have far too many so my new displacement activites are de-cluttering and my job at school :).

    That's a good idea re the Laxido. I'll fish them out of the bin and we'll take them to the chemist next time we go.
    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
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