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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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HairyHandofDartmoor wrote: »n
Sorry for a whingy post.
Not whingy at all, HH. After all you've been through recently it's no surprise that it's all catching up with you. Plus, you had a cold too and when I'm tired I know problems always seem worse than they really are. Let's hope a few early nights and days with NO decluttering for the immediate future have you feeling like your old self before too long:beer:
Is there any reason why you can't get the new freezer straight away? You have the money to cover it now, even if it means 'borrowing' from the savings temporarily. You said the insurance excess is about the same cost as a freezer, in other ways you not the insurers will be paying for it. If the old one is beyond repair and it's making life awkward not to have one then I think I'd get one asap myself. Sorry if I'm speaking out of turn, I certainly don't mean to be rude:o
I usually buy all my large appliances online from AO. Excellent prices and free next day delivery as a rule. If I'm not sure what to order I pop into Curry's or somewhere and check different models and then come home and order online at AO;).0 -
I think we're just to tired to sort out the new freezer at the moment Noella. Also we're not sure if the insurance company will want to look at the old freezer, so don't know whether to get rid of it or what to do with it. I feel complete apathetic at the moment
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Mind you DH and I have decided that we can probably wait a few days to do our Mr T order, if we just pick up some bread, margerine and eggs. At least that will save money if we can live off our what's in the fridge/cupboard for a bit longer.
We'll look at AO though when it's time to order one and see if it's cheaper than Curry's.
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 -
Just popping in to say thanks so much for inspiring me to tackle some of my deluttering.
Hope you are on the mend really soonI 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 -
Thank you 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 -
Sorry you’re still feeling yuk - there’s some nasty viruses about that take a while to leave your system plus you’ve had the upset of the burst. Be kind to yourself and take careJanuary spends - £587.580
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Thank you Milann
. I'm feeling a bit demoralised at the moment. Hopefully I'll get my mojo back soon.
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 -
Hello Hairy sorry you’re feeling yuk. Some of my brood have had that cold. They complained of feeling tired for a couple of weeks. The cold seemed to drag on too. Sorry about your leak, what a pain. At least insurers are paying out.
Take it easyTotal weight lost 6.5/73lbs starting yet again. Afds August 10/15. /8 Sept.0 -
HairyHandofDartmoor wrote: »Thank you Milann
. I'm feeling a bit demoralised at the moment. Hopefully I'll get my mojo back soon.
Sorry to hear you're feeling so 'down' at the moment. Not surprising really with all that's gone on but you've had some pluses too (such as insurers intending to pay out:T and DS arriving safely in S.America:T) so try to concentrate on them. Easy for me to say when I'm not going through what you are but in my darkest times (and there have been plenty of those, not just dark but downright pitch black:eek:) I've tried to play Polyanna's Glad Game. Hasn't always worked but has more often than not.
A recent charity shop find was what looks like an unread copy of Polyanna (bargain @50P:j) and I hope to find the time to read it soon. I found the character in the film really annoying but the book has many happy memories for me and I hope re-reading it as an adult doesn't disappoint;)
Wishing you a good day xxx0 -
Sorry to hear you're feeling so 'down' at the moment. Not surprising really with all that's gone on but you've had some pluses too (such as insurers intending to pay out:T and DS arriving safely in S.America:T) so try to concentrate of them. Easy for me to say when I'm not going through what you are but in my darkest times (and there have been plenty of those, not just dark but downright pitch black:eek:) I've tried to play Polyanna's Glad Game. Hasn't always worked but has more often than not.
A recent charity shop find was what looks like an unread copy of Polyanna (bargain @50P:j) and I hope to find the time to read it soon. I found the character in the film really annoying but the book has many happy memories for me and I hope re-reading it as an adult doesn't disappoint;)
Wishing you a good day xxx
I agree with the 'glass half-full' approach, even though filmed Pollyanna made me want to hit her !! The book is loads better (as it often is), even the bit about the crutches !
Hope your cold or whatever is gradually getting better, HH, so many around at the moment, doesn't seem fair with warmer weather. Rest if you can, bask in the de-cluttering already done, feel smug for having appropriate insurance, look forward to choosing new freezer when you're up to it.0 -
Hi Hairy,just caught up up with your dairy again,sorry to hear about your flood,I hate problems with plumbing because water just goes wherever it wants and causes so much damage,I hope you get a new freezer sorted soon xxOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8940
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