Forum Home» Debt-Free Wannabe» Debt Free Diaries

Finally Debt Free After 34 Years, But Still Need to Live Frugally - Page 941

New Post Advanced Search

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

edited 18 November 2017 at 10:49AM in Debt Free Diaries
13.7K replies 770.7K views
19389399419439441368

Replies

  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Well done with your wages choices - must feel so satisfying. And so lovely to be saving for Xmas in really good time. It gallops up before you know it, and its only human to want to celebrate, treat the family to nice things to eat, make the house look pretty and so on. It doesn't have to cost a fortune, but it does cost SOMETHING. This way you've made a conscious choice to enjoy a modest amount of spending without feeling guilty. In fact you're doing just that quite a lot. It's a far cry from the start of your diary when it would have been impossible to envisage any sort of saving or spending plan.

    Choices are a wonderful thing. With barely enough to meet the weekly food bill, choices simply don't exist.

    Thank you Elizabeth :).You're right it's having the choice that's important. It's very empowering to have choices :).
    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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    teafor2 wrote: »
    Hope you're not feeling too poorly today HHD and managed to meet up with your friends. Weather here has been rotten most of the day so we've stayed indoors. Not sure what the forecast is but I hope it improves, especially with it being half term. 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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    I felt quite rough with my cold today so that reading gave me a headache and I didn't even feel like drinking diet coke :eek:.

    But I decided some fresh air would do me good, so we went a bit early to the NT place where we were meeting our friends and had a short stroll around the gardens, although we both felt quite tired so ended up relaxing in deck chairs in the gardens like a couple of geriatrics :rotfl:. Then our friends arrived and we had coffee and scones in the cafe and chatted for an hour. It was good catching up with them as we hadn't seen them for a couple of years, so we decided that we must get together more frequently :). I don't think it made my cold any worse and I warned our friends to keep their distance from me. Our naughty friends insisted on paying for our refreshments, so our only spends were £5.70 as DH wanted to buy biscuits and cake in the shop and we picked up another eight pints of milk too as we always run out before the end of the week.

    I haven't done any de-cluttering or houswork today because I felt too tired and headachey :( so I'm hoping I'll feel up to doing some tomorrow.

    I hope everyone has had a good Sunday :).
    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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    One of DS1's friends has had a big row with his parents and has nowhere to sleep tonight :eek: so we've agreed he can spend two nights here before he goes back to uni. I've said that the friend must tell his parents that he's safe so they don't worry.

    So much for a quiet evening :(.
    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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • please-let-me-be-luckyplease-let-me-be-lucky Forumite
    10.1K posts
    Ninth Anniversary 10,000 Posts Photogenic I've been Money Tipped!
    ✭✭✭✭✭
    That’s kind of you to put the friend up Hairy. Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida

    https://www.facebook.com/Makingmemoriesfor3outof4ofus/
  • in_need_of_directionin_need_of_direction Forumite
    6.6K posts
    Sixth Anniversary 1,000 Posts
    ✭✭✭✭
    We have always unofficially operated what is now a not so youth hostel for friends of the offspring. Especially working with the homeless, I’m mindful of how easy it is for a family disagreement to result in someone falling through the cracks. Well done for opening your home like this.
    Mortgage at 01.01.14 £119,481.83:eek: today £60212.93 Offset fund today 1366.16 target £2000 by 31/12/20
    Emergency fund £5.5/5.5k & £200/200 cash.:j
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.:T
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    That’s kind of you to put the friend up Hairy. Xx
    We have always unofficially operated what is now a not so youth hostel for friends of the offspring. Especially working with the homeless, I’m mindful of how easy it is for a family disagreement to result in someone falling through the cracks. Well done for opening your home like this.

    Thank you both :). We couldn't leave him with nowhere to sleep and we always welcome a chance to get to know the DC's friends. He's actually very pleasant, but his family can't accept him for what he is.
    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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Once years ago DS3 was at a sleepover party at a friend's house. He rang us after midnight to say that the friend's mother had kicked them all out because they were being too noisy and disturbing the neighbours :eek:. It was after midnight and pouring with rain. So we said they could all come and sleep in our living room (about six of them) as long as they didn't keep our neighbours awake. I couldn't believe the friend's mother would kick them all out onto the street like that :eek: (apart from her own child).

    It was quite funny though because in the morning when we got up all the friends had vanished and it was just DS3 asleep on the sofa. He didn't know where his friends had gone but reckoned they might have gone out for KFC :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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • edited 27 May 2019 at 6:30PM
    beanieloubeanielou Forumite
    71.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    edited 27 May 2019 at 6:30PM
    Poor lad.
    My DS has always said he loved that I just wanted him to to be happy.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • NicnakNicnak Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ✭✭✭✭
    Hi Hairy,

    How lovely of you to help out. It is a shame that his parents can't accept him for who he is. That must be quite difficult for him to accept.

    Hope you are well. xx
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support