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My journey to a debt free life

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  • Cherryfudge
    Cherryfudge Posts: 13,359 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I hope you have a better night tonight and can enjoy the tea party.
    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 21/3/22
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I hope you have a better night tonight and can enjoy the tea party.
    Thanks Cherry I did have a better night and the tea party was lovely 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Day off today and so far I haven't achieved much at all,I had lots of plans but don't feel too good so I'm relaxing instead. I have got one load of washing on the line and another in the machine because it's sunny with a nice breeze today so it should all dry 🤞

    I went to my friends retirement tea party on Monday and it was lovely but a bit emotional, we have worked together for 30 years in November ,we both started on the same day back on November the 2nd 1992 🙀 we have had lots of fun and sad times along the way and I will miss her at work. We are good friends outside of work though so will still see each other. It's made me wish I could retire too though as it's just not the same there anymore, I think most of the staff that were there when I started have gone now ,we have lots of new young staff and they aren't the same as the people who were there before they have a totally different way of looking at things  and a couple of them are downright rude. I can't afford to go yet though so will keep plodding on 😀



    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • foxgloves
    foxgloves Posts: 12,642 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It's nice that you will still see your friend, @OBL. Mr F was wistfully wondering over the weekend when he might retire. He knows this isn't possible until he actually is retirement age & as he is a few years younger than me, that's quite a way off as yet. I did say though that me getting my pensions earlier than him may well mean he could drop a day a week & he really perked up at the thought of that.
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 7.7kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • Sun_Addict
    Sun_Addict Posts: 24,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    When my friend retired from work, I went in the next day and wanted to cry it was so weird without her. Gradually the nice familiar people I worked with from the start have been retiring and it’s just not the same anymore just as you say about your workplace. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Cherryfudge
    Cherryfudge Posts: 13,359 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm a firm believer that we need to acknowledge that the loss of colleagues we're close to is important and we need time to adjust. I miss certain colleagues even after years. Thankfully there is also a bunch of new people who are great to work with at my place.

    It's lovely that you will still see your friend outside work. One reason to keep working is so you can meet up with her. :) Hopefully you have something planned soon?
    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 21/3/22
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    foxgloves said:
    It's nice that you will still see your friend, @OBL. Mr F was wistfully wondering over the weekend when he might retire. He knows this isn't possible until he actually is retirement age & as he is a few years younger than me, that's quite a way off as yet. I did say though that me getting my pensions earlier than him may well mean he could drop a day a week & he really perked up at the thought of that.
    F x
    I am finding work increasingly hard and could retire at 60 next year to get my NHS pension but I won't get my state pension for another 7 years so I'm not sure if I will be able to afford it. I can't see me carrying on in this job until I am 67 though as it's killing me now and I'm only 59 😟
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    When my friend retired from work, I went in the next day and wanted to cry it was so weird without her. Gradually the nice familiar people I worked with from the start have been retiring and it’s just not the same anymore just as you say about your workplace. 
    That's how I've felt all week which is a bit daft really because we didn't always have the same shifts, it's just the thought that she won't be there ever again 😟 and I'm not really friendly with anyone there 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I'm a firm believer that we need to acknowledge that the loss of colleagues we're close to is important and we need time to adjust. I miss certain colleagues even after years. Thankfully there is also a bunch of new people who are great to work with at my place.

    It's lovely that you will still see your friend outside work. One reason to keep working is so you can meet up with her. :) Hopefully you have something planned soon?
    We met up for coffee today 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    edited 24 June 2022 at 2:05PM
    So I have a stupid question that I've never thought of before. I have a £50 overdraft on my current account and I refuse to use it. I tried to get rid of it but the bank wouldn't let me 🤷‍♀️Any way is that £50 part of my available balance or not .....ie I have £100 left in the bank so is £50 of that my overdraft, I have presumed it is and always subtract £50 from my bank balance when I check it but this morning I'm second guessing myself 😂😂I am also slowly loosing my marbles so forgive me for having to ask this in the first place 😂😂
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
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