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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Phew I've just caught up with you, took some doing
Glad you got the guarantor malarkey sorted thanks to RedoAlways worth posting dilemmas on here, someone will know what to do.
Also glad you decluttered some of your mums stuff but still have keepsakes. I've got a box of my mums things, not much mainly photos and a few bits and bobs. My memories are sealed in my heart I don't need things to remember her.
I've also done a lot inside despite the lovely weather, sounds like you've had a productive dayI get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
A massive step today
I also got two loads of laundry washed & dried outside.
Have even put most of it away.
Have even emptied the washing basket that had dried towels & sheets in it so it is only half full now.Phew.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.0 -
Sun_Addict wrote: »Phew I've just caught up with you, took some doing
Glad you got the guarantor malarkey sorted thanks to RedoAlways worth posting dilemmas on here, someone will know what to do.
Also glad you decluttered some of your mums stuff but still have keepsakes. I've got a box of my mums things, not much mainly photos and a few bits and bobs. My memories are sealed in my heart I don't need things to remember her.
I've also done a lot inside despite the lovely weather, sounds like you've had a productive day
Thanks SA. I guess I just felt ready to let most of the clothes go, and let's face it we don't tend to get things like that out and look at them very often do we? I've got photos of her wearing many of the clothes so that will help me to remember what she wore. I've got some of her jewellery and most of her scarves which I would like to wear one day.
I'm glad you've had a productive day too SA.
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 MONTHS0 -
A massive step today
I also got two loads of laundry washed & dried outside.
Have even put most of it away.
Have even emptied the washing basket that had dried towels & sheets in it so it is only half full now.Phew.
Thanks Beanie.
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 MONTHS0 -
It's lovely to read you've been able to sort your Mum's clothes out in your own way and in your own time HHD. I'm sure it will be a memory you'll always treasure. xx0
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It's lovely to read you've been able to sort your Mum's clothes out in your own way and in your own time HHD. I'm sure it will be a memory you'll always treasure. xx
Thank you TF2.
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 MONTHS0 -
Well done on sorting out your Mum's clothes, HH. Can't have been easy for you but, as you say, you have photographs. More importantly, you have happy and permanent memories of them and her safely stashed away in your heart.
I had to dispose of Mum's clothes a few years ago and it wasn't such a dilemma because I hadn't seen her wearing a lot of them and they had no immediate emotional pull on me. She always bought lovely, quality clothes and I wanted them to go to charity while they were still fashionable so someone else could get the benefit and enjoy them. I kept back a very few items to wear myself at some point but they were really too 'dressy' for me so they were just carefully stored away. I had a mammoth decluttering drive a couple of months ago and rediscovered these items. It was very emotional mainly because as I unwrapped them I could still smell her perfume on them. She never doused herself in it but it was quality perfume which tends to linger. It brought her right back to me in a way the clothes on their own didn't IYKWIM.
When you mentioned about lugging the hoover up flights of stairs and recently mentioned lugging heavy plant pots around in the garden I got to thinking about what the 3 strong men in the house are doing while you're doing the heavy lifting:eek:. Sorry, but it shouldn't be necessary to ask for their help. Sounds like they get everything done for them without having to lift a finger. I know DH ironed something for you but what about your adult sons? Sorry if I've upset you but it sometimes seems like your good nature is being taken advantage of.
I've just received my MSE badge for 10 posts:j:dance:_party_. That's only 'posts' not 'years' like a lot of you have clocked up. Must still have gone to my head though:rotfl:.0 -
HH, I saw this in the latest Clearscore newsletter and immediately thought of you:). I know you're already doing incredibly well with your saving plans at the moment and the article is pretty simplistic but I found it interesting anyway. If it's accurate, it really surprised me that 40% of working-age Brits have less than £100 in savings:eek:
https://www.clearscore.com/savings/how-to-make-saving-a-habit?utm_campaign=eml_lc_learn_summary_control_2018_01_01&utm_source=blueshift&utm_medium=email&bsft_clkid=4cee2f1f-c4ec-4401-a742-da1583e12b47&bsft_uid=3920f8d5-b66f-4a20-805b-f470369fe181&bsft_mid=f00af680-0514-4529-a17d-ea0ffa468c14&bsft_eid=de0192b9-3b9a-082c-1a4e-3fff1b9038fb
The length of the link looks a bit weird:eek: but I think it works.0 -
Well done on sorting out your Mum's clothes, HH. Can't have been easy for you but, as you say, you have photographs. More importantly, you have happy and permanent memories of them and her safely stashed away in your heart.
I had to dispose of Mum's clothes a few years ago and it wasn't such a dilemma because I hadn't seen her wearing a lot of them and they had no immediate emotional pull on me. She always bought lovely, quality clothes and I wanted them to go to charity while they were still fashionable so someone else could get the benefit and enjoy them. I kept back a very few items to wear myself at some point but they were really too 'dressy' for me so they were just carefully stored away. I had a mammoth decluttering drive a couple of months ago and rediscovered these items. It was very emotional mainly because as I unwrapped them I could still smell her perfume on them. She never doused herself in it but it was quality perfume which tends to linger. It brought her right back to me in a way the clothes on their own didn't IYKWIM.
When you mentioned about lugging the hoover up flights of stairs and recently mentioned lugging heavy plant pots around in the garden I got to thinking about what the 3 strong men in the house are doing while you're doing the heavy lifting:eek:. Sorry, but it shouldn't be necessary to ask for their help. Sounds like they get everything done for them without having to lift a finger. I know DH ironed something for you but what about your adult sons? Sorry if I've upset you but it sometimes seems like your good nature is being taken advantage of.
I've just received my MSE badge for 10 posts:j:dance:_party_. That's only 'posts' not 'years' like a lot of you have clocked up. Must still have gone to my head though:rotfl:.
Thanks Noella. My mum's clothes smelt of her perfume too. It is a very sad job to have to do
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DH and the DC would have helped me with the hoover if I'd asked them, although they might have said in a minute, but I'm quite independant and usually like to do things for myself. You haven't upset me at all.
Congratulatioons on your 10 post badge. Some of us have been here for so long that we should be on the rich list by now :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 MONTHS0 -
HH, I saw this in the latest Clearscore newsletter and immediately thought of you:). I know you're already doing incredibly well with your saving plans at the moment and the article is pretty simplistic but I found it interesting anyway. If it's accurate, it really surprised me that 40% of working-age Brits have less than £100 in savings:eek:
https://www.clearscore.com/savings/how-to-make-saving-a-habit?utm_campaign=eml_lc_learn_summary_control_2018_01_01&utm_source=blueshift&utm_medium=email&bsft_clkid=4cee2f1f-c4ec-4401-a742-da1583e12b47&bsft_uid=3920f8d5-b66f-4a20-805b-f470369fe181&bsft_mid=f00af680-0514-4529-a17d-ea0ffa468c14&bsft_eid=de0192b9-3b9a-082c-1a4e-3fff1b9038fb
The length of the link looks a bit weird:eek: but I think it works.
Thanks for the article Noella. It doesn't really surprise me that 40% of people don't have much in the way of savings, because our culture and economy is very spending focused.
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 MONTHS0
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