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

milann

The savings bug has really got to you...long may it last and I hope it’s very contagious and some of the enthusiasm comes my way :rotfl::beer::money:
Lucky you getting a dry playtime - we were out in the rain and freezing cold - thought dinner time play was never going to end.....I’m in KS2 playground and it has to be torrential before we can go in. It was more like October than May.

HairyHandofDartmoor

milann wrote: »

The savings bug has really got to you...long may it last and I hope it’s very contagious and some of the enthusiasm comes my way :rotfl::beer::money:
Lucky you getting a dry playtime - we were out in the rain and freezing cold - thought dinner time play was never going to end.....I’m in KS2 playground and it has to be torrential before we can go in. It was more like October than May.

Thanks Milann . I hope my savings enthusiasm lasts but I feel like the savings force is strong in me at the moment :rotfl:. I'm interested to see just how much I can save by not frittering and putting little amounts away frequently. I have a theory that if I save what I used to fritter, then little amounts could add up to staggering totals :money:.

We stay out in the rain too unless it's really heavy, even though they're infants. I don't really mind rain and cold weather if I'm dressed for it, my biggest dread is having to supervise them in the classroom as it's so much more tiring :eek:. I hope you get a dry playtime tomorrow .

doingitanyway

Sounds like you had a good day today. You got in a good number of steps too.
Was the online saving account easy to set up?
You definitely have the savings bug!
I opened a CU account for Xmas savings too. I'm siphoning off £10 a week.
Have a relaxing evening

HairyHandofDartmoor

doingitanyway wrote: »

Sounds like you had a good day today. You got in a good number of steps too.
Was the online saving account easy to set up?
You definitely have the savings bug!
I opened a CU account for Xmas savings too. I'm siphoning off £10 a week.
Have a relaxing evening

Thanks DIA . The savings account was very quick and easy to set up and I was able to put the intial £10 in there with my debit card, which I felt was easier than setting up a bank transfer.

£10 a week for Christmas is a good amount. It's only about seven months until Christmas so it'll soon come around :eek:. I'll need more than £210 but hopefully my survey money will top it up by another £100 .

beanielou

Iceland have diet coke for £6,49 for 24 tins.
No idea what this is like price wise.

[Deleted User]

Thanks very much for the nice welcome to your diary, HairyHandOfDartmoor:). Your username is so long to type, what do you prefer us to call you? Calling a lady 'Hairy' (for short) seems a bit rude somehow:o. Anyway, I've subscribed to your diary and hope to drop in more often to read of all the nice things that will surely lie ahead for you. Onwards and upwards, eh?:beer:.


Thanks for the explanation about your allergies and the Furry Moron's part in them. Definitely a reason NOT to take on a cat then as they love and need stroking and cuddles. Trying to keep them off the sofas and beds would be a constant nightmare for you:eek:. Been there with that one:mad:. My nephew had similar reactions as yours to my cats and always went home after a visit looking as if he's been constantly crying whilst he was here:(



Call me nosy but I'm a bit concerned about your tiredness. I know you've been very busy decluttering but it sounds as if you found time for some rests in between. Maybe it's a reaction to having a regular job but that's only a few hours a day (when you aren't volunteering) but even when you are it's only a half day on some days. I'm not denigrating what you do, please don't think that or be offended as I'm concerned about you, but know as a full-time worker all my life (out of the house each day by 7.20 and not back before 6.30:() and then having all the normal household chores and cooking to do I used to feel a bit weary especially by Thursday but not excessively so even when I was in my 50s. I didn't work in the education sector so didn't have the school holidays to recover. I know you're vegetarian and I just wonder if you're anaemic in any way. It must be very difficult to get the full quota of nutrients from a vegetarian diet especially when money was so tight and you probably put your own needs last after making sure your lovely family were all fed and watered.


You mention headaches a lot too. I get them too especially in strong sun or if I'm stressed. They're a real nuisance aren't they?. I wonder whether you need glasses? You probably think your eyesight is excellent, I always did with mine and was mortified to discover it wasn't when I finally succumbed to having an eye test after a lot of headaches and being recommended to have one by a friend. She told me that unwittingly straining her own eyes all the time had been the cause of her headaches and it had been her GP's suggestion that she get them tested.


I seem to recall Thursday is one of your volunteering mornings. Have a good one:beer:

teafor2

Morning HHD You definitely sound like you've got the saving bug and are determined to make your wages work for you

Hope you have a good shift at work and fingers crossed for a dry playtime. xx

badmemory

Headaches are also a sympton of anaemia. When I was 17 I was suffering from headaches & the optician sold me glasses but the headaches didn't go. Another optician a year later said you don't need glasses you are anaemic.



When I finally started needing glasses in my 50s it wasn't a headache that told me but my neck. I was working on a computer & my screen & sitting position hadn't changed but I had started to thrust my head forward so that I could see better.


If they were stress headaches they would have been happening 2 years ago when I am sure you were much more stressed & not now when you are doing so well.

[Deleted User]

From never posting on here at all I'm in danger of wearing out my welcome:o. Apologies but I just felt the need for a moan and a bit of advice please.

I bought an item of clothing online from a small business that I've dealt with happily over about 12 years. I haven't bought much because of my debts but I used to buy from them with birthday/Christmas money. Their quality has certainly dropped since I bought anything last and the latest item I received a few weeks ago was really shoddy, almost like 'second' or 'substandard' item:eek:.


I returned it at my own expense and by recorded delivery which is what they insisted on for returns and what they charge for delivery when buying from them. That means a total of about £9 for getting the item in the first place and returning it. Extortionate IMO:mad:. I checked on the Royal Mail website and they received and signed for it the day after I sent it about 10 days ago.


Since I bought mine they have reduced the price of this item on the website and although they have refunded me via Paypal they have only sent the reduced price that it is now and not the price I paid. It's a difference of £9.50


I emailed them to complain but didn't get a response so I bit the bullet this morning and phoned. The owner of the business gave me the sob story that they're a very small business finding it hard to compete in difficult trading conditions and as they need to resell the garment they can't afford to lose any more money on it.


What does anyone think of that? I'm gobsmacked. The garment was returned in unworn condition and carefully packaged. It's just as saleable as it was when they sent it to me in the first place. Should I just accept that I'm on a loser and never buy from them again or should I persist with demanding the correct refund? I suspect I'll get no joy but I hate being cheated which is how I see it.


I only became debt-free last year and treating myself is still a novelty to me (as it is to you HHOD). It was such a lovely feeling to buy something new to wear instead of charity shop garments. I know it's under £10 that I'm quibbling about but I haven't any spare money to 'throw away'.

HairyHandofDartmoor

beanielou wrote: »

Iceland have diet coke for £6,49 for 24 tins.
No idea what this is like price wise.

That's a good deal Beanie, thanks for spotting that .