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

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  • Sun_Addict
    Sun_Addict Posts: 24,331 Forumite
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    Not a bad obsession to have :) It's good to earmark your wages for savings as you managed without them before, if you just add them into the general budget before you know it they would get swallowed up and you'd end up spending more. I need to catch your enthusiasm for saving :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Sun_Addict wrote: »
    Not a bad obsession to have :) It's good to earmark your wages for savings as you managed without them before, if you just add them into the general budget before you know it they would get swallowed up and you'd end up spending more. I need to catch your enthusiasm for saving :)

    That's exactly what's been happening SA. Apart from the £50 of Premium Bonds I bought with my second pay packet, my two lots of wages have been swallowed up and I think we have been spending more :mad:.

    I want my wages to mean something and have a good effect upon our lives, so if I save them all that would be great.

    Although this month our budget is very tight, so hopefully we'll get paid by a customer or two otherwise £100 of my wages might be needed to pay bills :(.

    Although nothing is going to stop my buying my £50 of Premium Bonds and putting £30 in a Christmas account.
    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
  • daisy_1571
    daisy_1571 Posts: 2,245 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 7 May 2019 at 9:45PM
    :heartsmil :heartpuls Spreadsheets :heartpuls :heartsmil

    :o

    Daisy xx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • jwil
    jwil Posts: 22,375 Forumite
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    It's worth having a play with spreadsheets and attempting to build your budget. It's a useful skill and could come in handy in the future knowing how to use them.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning HHD :) I like the plans you have for putting your wages to good use. It's surprising how quickly money can just disappear on things so a clear idea of what you want to do with it is good. If something crops up that you would really like or need to make life easier, you can always take a month out.

    Have a lovely day at work. xx
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    daisy_1571 wrote: »
    :heartsmil :heartpuls Spreadsheets :heartpuls :heartsmil

    :o

    Daisy xx

    :rotfl:
    jwil wrote: »
    It's worth having a play with spreadsheets and attempting to build your budget. It's a useful skill and could come in handy in the future knowing how to use them.


    Maybe I should have a 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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teafor2 wrote: »
    Morning HHD :) I like the plans you have for putting your wages to good use. It's surprising how quickly money can just disappear on things so a clear idea of what you want to do with it is good. If something crops up that you would really like or need to make life easier, you can always take a month out.

    Have a lovely day at work. xx
    Thanks TF2 :). I feel quite excited about my plans :). If only it wasn't two and a half weeks until payday :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
  • beanielou
    beanielou Posts: 96,468 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy hump 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.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    daisy_1571 wrote: »
    :heartsmil :heartpuls Spreadsheets :heartpuls :heartsmil

    :o

    Daisy xx

    I love a good spreadsheet and playing about with the figures....thought it was just me :rotfl:
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Happy hump day. :)

    Thanks Beanie :).
    Deleted_User wrote: »
    I love a good spreadsheet and playing about with the figures....thought it was just me :rotfl:

    :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
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