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My journey to a debt free life
Comments
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I don't like the actual cleaning, but I like looking at the result and thinking wow, that looks good.
I have a comforter on my bed and it keeps my feet so lovely and warm. It is making it difficult for me to get out of bed too. I was 10 mins late this morning, which ended up with me running round like an idiot.
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Oops :rotfl:Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8941 -
Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8941
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It's been a busy week this week, work is getting busier because we are now coming into the winter and it gets very manic at this time of year, I've also been spending time with DD1 and the grandchildren, my new grandson isn't as chilled out as the first one was so is a bit challenging,I think my daughter is struggling a bit,I've offered to take him for the day so she can spend time with DGS 1 but she didn't seem that interested,oh well I can only offer
DD2 is madly working on her degree as she is on her final year, she is really busy too but seems ok at the moment,I can't believe that come June she will be finished and qualified
I met my mum for lunch today and we had a nice time, it was very busy in town because the Christmas market opened today, we didn't go because it's too busy in the first few days and my mum doesn't really like it
I had a bit of a panicky episode on my way home on the bus though, there were so many people and lights and loud music I just felt really overwhelmed and looking at all the people with all their shopping bags made me feel sad, it's all such a waste of money for one day a year but everyone goes crazy
It's funny because when I had now money and was relying on credit cards I used to love the run up to Christmas,I would go out and spend to my hearts content and have it all sorted by the beginning of December, but now I'm dealing in cash that I've spent the whole year saving up I find I don't want to spend it ,this is my second Christmas on my DMP and I am so grateful that I came to my senses and leaned to budget,I felt quite relaxed last year because I knew I had the money in the bank but this year I don't feel the same,I feel panicky for some reason
I normally enjoy Christmas but this year I'm just not looking forward to it like I normally do,it's not helped by the fact that I'm working on Christmas Day so won't be home until late afternoon, this means DD 2 will be on her own for most of the day which just makes me feel sad😢Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8941 -
Onebrokelady wrote: »I normally enjoy Christmas but this year I'm just not looking forward to it like I normally do,it's not helped by the fact that I'm working on Christmas Day so won't be home until late afternoon, this means DD 2 will be on her own for most of the day which just makes me feel sad😢I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
OBL great to see you back posting.
I know what you mean about Christmas overload. However I find keeping true to yourself and your values helps me spend Christmas my way .
Have a good week.Life is an adventure, never stop exploring.0 -
Cherryfudge wrote: »DS2 is working nights on Christmas Eve so will have to sleep the first part of Christmas Day. It really makes a difference, doesn't it?
It certainly does doesn't it,I think if other family members were around I would t feel so bad, it's just the thought of her on her own for most of the day that's getting to me,I've worked before but her sister was always there or her boyfriend but now they aren't together she is on her ownOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8941 -
Sunshine_girl2 wrote: »OBL great to see you back posting.
I know what you mean about Christmas overload. However I find keeping true to yourself and your values helps me spend Christmas my way .
Have a good week.
Hi SG,I know what you mean,I think I'm panicking over nothing, everyone seems to be very organised and I haven't even made a start yet,once I get started it won't actually take me long to do all my shopping,my main problem is making myself go and actually do itOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8940 -
A much needed day off today ,work was crazily busy yesterday and I was so glad to get home and into a nice hot shower and then my pjs
I had a bit of a lie in this morning which was nice,I've also had a productive day so far, I had the vets bills through the post the other day and I could have done a bank transfer but decided I didn't want to do that because I always worry it will go wrong somehow
Anyway the dog was due her morning walk and it has been a lovely crisp sunny day here, so I decided to combine a lovely dog walk in the sun to the vets to pay the bill and order more meds for her, I also fit in a trip to the local shop for bread and loo rolls which we needed and naughty apple puffs which we didn't need at all, they looked so tasty though and walking in the cold makes me hungry so the temptation was too much
I've also finally managed to get out to the top of the garden and replace my whirley washing line with the new one I bought a couple of weeks ago, it's been sitting by the front door since I bought it because it hasn't stopped raining since then, the chickens got a clean out as well so they won't need doing until Wednesday now ,they are out pecking about in the garden at the moment,I do like being at home on a sunny day because I can let them out for a few good hours, they spend all day in the run if I'm not here and although it's big enough for the two of them it's not the same as free ranging in the garden
I also gave the kitchen a good tidy and clean and just need to do the bathroom now,I had to sit down for a bit because I'm feeling a bit achey today so I'm trying to pace myself
This week is quite a nice one because my shifts have been changed, I worked yesterday and I'm doing an early tomorrow so will finish at 3.30 then I have two days off,I normally work a late on Wednesday but they have moved me for some reason,I then work Friday and I've got Saturday and Sunday off, so not too bad at all
I normally see DD1 and the grandchildren on a Tuesday but won't be able to but she did say we could maybe meet up on one of my days off,I'm thinking I might ask her to take me out to Ikea if we do meet up so I can buy DGS1s Xmas present, he is having an Ikea play kitchen for his present so it would be ideal to pick it up in the car and he will be at nursery so won't be with us
I'm also going to try and get some of DD2s Xmas pressies online tonight so at least I've made a startOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8941 -
Perhaps a mini care package for your DD on Christmas morning? An edible treat, bath bomb, fuzzy socks... so she knows you're with her in thought. Or she may have plans: if the weather is nice she could go for a walk, or if not, ring some friends. She might even get ahead with prepping Christmas food!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Onebrokelady wrote: »It certainly does doesn't it,I think if other family members were around I would t feel so bad, it's just the thought of her on her own for most of the day that's getting to me,I've worked before but her sister was always there or her boyfriend but now they aren't together she is on her own
What about her sister or your Mum, could she pop in to visit one of them on Christmas morning? Anyway I'm sure she'll be fine. What about a care package as Cherry said plus a Christmas DVD to watch until you get home? She's got the dog for company too. And the hamster.
Onebrokelady wrote: »Hi SG,I know what you mean,I think I'm panicking over nothing, everyone seems to be very organised and I haven't even made a start yet,once I get started it won't actually take me long to do all my shopping,my main problem is making myself go and actually do it
I've only got one present so far and feel completely unprepared, so I know what you mean but actually we do still have plenty of time. There still about a week and a half of November left plus all of December. So we shouldn't feel stressed about it really. Especially if you're have a more simple and pared down Christmas. Good food and good company is the most important.
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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