Paid off the £31,000! BUT - still scrimping!

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  • Sun_Addict
    Sun_Addict Posts: 21,278 Forumite
    First Post Name Dropper Photogenic First Anniversary
    All sounding good SSG xx
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • System
    System Posts: 178,093 Community Admin
    Photogenic Name Dropper First Post
    Turkish afternoon tea sounds a bit different , might research that for a birthday treat for me , it's not till December so gave time . Enjoy all your social events in the coming weeks .
  • reality_check
    reality_check Posts: 752 Forumite
    First Anniversary First Post
    All your plans sound wonderful, a busy social life, but so you should, you've worked hard, paid off debt, savings in the bank and not getting into debt for anything you do anymore. I can't wait to be in your position! xxx

    p.s I am really craving some baclava now, I love it!
    Starting debt £18,675.63 :eek:
    Current debt: £5,000 (16/05/18)
  • Seasidegal58
    Seasidegal58 Posts: 5,677 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Such strange weather today with the eerie afternoon yellow light! End of Days comes to mind!:eek:
    Sun_Addict wrote: »
    All sounding good SSG xx
    Thanks SA!
    Cumbria_lass wrote: »
    Turkish afternoon tea sounds a bit different , might research that for a birthday treat for me , it's not till December so gave time . Enjoy all your social events in the coming weeks .

    The restaurant advertises it as an ‘Afternoon Turk” Cumbria Lass! :rotfl:
    reality_check wrote: »
    All your plans sound wonderful, a busy social life, but so you should, you've worked hard, paid off debt, savings in the bank and not getting into debt for anything you do anymore. I can't wait to be in your position! xxx

    p.s I am really craving some baclava now, I love it!

    Reality - re the baclava - so am I now - and I’ve just had my dinner! Thanks for the kind words. Sometimes I feel I can still be too extravagant but at least I’m nothing like I used to be. A have a horror now of falling into debt and not having a financial safety net. My food/household products budget is still at £120 per month and I have a budget for all the other categories. What’s left is my discretionary spends. Mind you the kitchen fund has hardly got going and is will be used to replace the drawings out of the emergency fund for the tooth bill!:mad: I thought my appointment was next week but it’s actually on Wednesday morning! :(

    I didn’t have to pay for the lattes today as got freebies! :jThey must have liked the limoncello! :D
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    I will be the same SSG (if DH and I ever get out of debt), terrified of falling back into it :o

    It sounds like you've been having some good times :)
    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 MONTHS
  • Purplebonnie
    Purplebonnie Posts: 138 Forumite
    First Anniversary First Post
    I envy your energy for such a hectic social life. If I go out on a school night I am absolutely done in the next day!
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • Sun_Addict
    Sun_Addict Posts: 21,278 Forumite
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    I can't even stay awake long enough to watch TV programmes after 9pm on a weeknight let alone go out! It's all rock 'n' roll here :)
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Sun_Addict wrote: »
    I can't even stay awake long enough to watch TV programmes after 9pm on a weeknight let alone go out! It's all rock 'n' roll here :)

    I'm the same, I need my early nights or I'm dead the next day :(
    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 MONTHS
  • Seasidegal58
    Seasidegal58 Posts: 5,677 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Purplebonnie wrote: »
    I envy your energy for such a hectic social life. If I go out on a school night I am absolutely done in the next day!
    Sun_Addict wrote: »
    I can't even stay awake long enough to watch TV programmes after 9pm on a weeknight let alone go out! It's all rock 'n' roll here :)
    HairyHandofDartmoor wrote: »
    I'm the same, I need my early nights or I'm dead the next day :(

    I do prefer socialising on a Friday or Saturday where I don’t have to go to work the next day! I couldn’t go out on weeknights like I used to when I was younger. And even this week - I’ve been late in each night since Tuesday owing to hair appointment, foot consultant, and work! I feel absolutely wiped out.

    The foot appointment was depressing. The MRI scan and X-rays showed that I’ve got a large boney lump on the back and under my heel which had torn the tendon under my sole and has caused the plantar fasciitis. I’ve also got some arthritis round my ankle and big toe due to wear and tear. He wants to refer me for a second opinion to a foot surgeon so it goes on and on. And no more high impact cardio....

    Also went to dentist and paid that awful bill - so that’s the emergency fund depleted and I’ll have to start paying it back. :(

    I moved £2400 from my e-saver which had matured to the 123 account together with the c.£39 interest.

    Still trudging on with the surveys. Nothing else much happened. Concert with DD tomorrow night though.

    SSG x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Lovely catching up on your news, and especially the spends which are around good times. I really like your balance, taking in breakfast and lunch from home, but then splurging on nice dinner with friends or family. Thats the way to do it.

    In a similar vein, went to an amazing pizza place with some of OH's friends last night, also several people we didn't know, but nice to meet them all. Walked there, (an hour :)) but I insisted on a taxi back. But lovely evening and no sore head this morning :)

    Right, best crack on with the chores. No paid work today. Officially on hols :) Have a great weekend SSG
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
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