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  • FIRST POST
    • Seasidegal58
    • By Seasidegal58 18th Sep 16, 1:27 PM
    • 1,978Posts
    • 12,242Thanks
    Seasidegal58
    Paid off the £31,000! BUT - still scrimping!
    • #1
    • 18th Sep 16, 1:27 PM
    Paid off the £31,000! BUT - still scrimping! 18th Sep 16 at 1:27 PM
    Hereís to my new shiny diary now that I am debt free!

    I have finished my previous diary which detailed my debt free journey. This went well for some months Ė I then failed dismally, managed to pull myself together to pay off half then had a lucky windfall which cleared the rest. If you want to have a look itís called ďScrimping Behind the Scenes Ė with Debt of £31,000!Ē (sorry, I canít manage to get the link to work!).

    In the diary I detailed how I was trying to pay off the debt without alerting the fact to family and friends as I was too embarrassed to let anyone know the extent of my folly!

    I have however decided to carry on scrimping as I have a few retirement issues coming up. One of the things that will make scrimping easier is that I donít have to do this in secret anymore! My reasons for cutting back financially will be out there for friends and family to see Ė which will let some of the pressure off!

    I am now in my early sixties but my State pension will not kick in for another four and a half years. I will not be getting the full whack as I have had contracted out of the second State pension because I was a member of a previous employerís final salary scheme. Luckily this pension will take a little of the headache away and I have a couple of small DCB schemes from other employment over the years though these will not amount to much. I am in my current employerís company scheme and both they and I pay into this Ė though again itís not going to be life changing!

    I calculate that I when I retire my income will be slashed by well over half so to carry scrimping would be a good run up to retirement test for me.

    A big worry is that the firm I work for was recently bought out. I have been through this sort of thing with previous employers. What tends to happen is this:

    1. Big lovey-dovey honeymoon period between new owners and old owners (who have been paid out, but stay on for goodwill).

    2. New owners and old owners start to fall out over the management of the company. The new owners want to run the company their way and old owners think they know better.

    3. Bad feeling hits all round and new owners start to have a ďpeopleĒ clear out.Ē

    Iím rather apprehensive about the possibility of a people clear out because of my age. I think I will be ok as long as my boss is there but unfortunately he is older than me!

    Accordingly, my next scrimpy goal is to fully fund my ďEmergency Fund.Ē It currently stands at £3,000- but I would like to see it at £10,000 to feel safe. If I can fund it with £1,000 per month (like I did with my debt), I will have £10,000 by end April next year.

    So today is going to be a NSD. I have £26.90 left spending money and £18.33 in the grocery budget till I get paid next Friday.

    So here we go again Ė interesting times!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
Page 27
    • Scott_Weiland
    • By Scott_Weiland 6th Jan 18, 7:33 PM
    • 779 Posts
    • 2,029 Thanks
    Scott_Weiland
    Might be worthing this on monday guys

    http://www.channel4.com/programmes/how-to-lose-weight-well
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Jan 18, 8:03 PM
    • 4,426 Posts
    • 30,701 Thanks
    HairyHandofDartmoor
    I'll watch that, it incentivises me a lot to watch healthy eating programmes when I'm trying to lose weight.

    I saw a good programme about which nations eat the healthiest food on either Channel 4 or ITV in the week. It turns out Iceland is the healthiest, we of course, are way down the list .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Jan 18, 8:03 PM
    • 4,426 Posts
    • 30,701 Thanks
    HairyHandofDartmoor
    Hope your Saturday is going well SSG .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 8:13 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    re Surveys do what i did maybe? ie update your signature to keep track of your earnings via surveys.
    Originally posted by Scott_Weiland
    Thanks for the tip Scott. Iíve now done this with the sites Iím currently with apart from You Gov as for some reason I canít get on at the mo to check my points balance. Iím going to have a look at the others you recommended on your thread.

    Chef Tom Kerridge has a new diet series which started on TV the other night. Itís based on good old calorie counting but some of the recipes were lush. He has a method of roasting mince in the oven before actually putting it in the sauce and the end result looked very tasty. Iím going to try this one out!

    This morning I took the deccies down. Bits of glitter etc everywhere but after a good dusting, vacuuming and steaming everything looks spick and span though rather bare. Lunchtime was my Pilates session then went for a good, brisk walk fof half an hour and picked up some fruit and veg on the way back home. Decided to leave the ironing till tomorrow and watched ďSpectreĒ in the afternoon which I recorded last week.

    Going to catch up with diaries before settling down to another bout of ďSpiralĒ

    Have a good Saturday evening everyone!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 8:19 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    Originally posted by Scott_Weiland
    I'll watch that, it incentivises me a lot to watch healthy eating programmes when I'm trying to lose weight.

    I saw a good programme about which nations eat the healthiest food on either Channel 4 or ITV in the week. It turns out Iceland is the healthiest, we of course, are way down the list .
    Originally posted by HairyHandofDartmoor
    I clicked through the link Scott and it appears to be an old seriesí but I can view the 5:2 episode via the All 4 app which Iím going to do.

    Hairy - it must be all that fresh yoghurt and fish you get in Iceland! Our British version of Iceland sells frozen sausage rolls!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Sun Addict
    • By Sun Addict 6th Jan 18, 8:33 PM
    • 5,838 Posts
    • 38,574 Thanks
    Sun Addict
    The CC cream gives brilliant coverage SSG. When I had a really bad flare up of eczema on my face it covered it up a treat. I won't use anything else now. Plus it feels light on your skin and you don't need to worry about tide marks.

    Have a great weekend
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Jan 18, 8:40 PM
    • 4,426 Posts
    • 30,701 Thanks
    HairyHandofDartmoor
    I clicked through the link Scott and it appears to be an old seriesí but I can view the 5:2 episode via the All 4 app which Iím going to do.

    Hairy - it must be all that fresh yoghurt and fish you get in Iceland! Our British version of Iceland sells frozen sausage rolls!
    Originally posted by Seasidegal58
    They did mention yoghurt and fish, but not sausage rolls .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cumbria lass
    • By Cumbria lass 6th Jan 18, 8:49 PM
    • 1,897 Posts
    • 11,573 Thanks
    Cumbria lass
    You were very productive today SSG , how was Pilates , still being a benefit. Having a break from the ironing for 5 mins.
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 9:15 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    The CC cream gives brilliant coverage SSG. When I had a really bad flare up of eczema on my face it covered it up a treat. I won't use anything else now. Plus it feels light on your skin and you don't need to worry about tide marks

    Have a great weekend
    Originally posted by Sun Addict
    Iím definitely going to get some SA next time I need to buy my foundation. It sounds just the ticket. Iíll let you know how it goes

    They did mention yoghurt and fish, but not sausage rolls .
    Originally posted by HairyHandofDartmoor


    You were very productive today SSG , how was Pilates , still being a benefit. Having a break from the ironing for 5 mins.
    Originally posted by Cumbria lass
    Cumbria -I felt at my most productive when I was watching ĎSpectreí and goggling at Daniel Craig!

    Pilates was good - Iíve a long way to go with it (especially the Plank!) because of stiffness but I always come out of there feeling a lot looser and my lower back seems nice and stretched in a good way.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Cumbria lass
    • By Cumbria lass 6th Jan 18, 9:17 PM
    • 1,897 Posts
    • 11,573 Thanks
    Cumbria lass
    I totally agree about Daniel Craig lol .
    CC1 £3475 May 2018
    • Sun Addict
    • By Sun Addict 6th Jan 18, 9:29 PM
    • 5,838 Posts
    • 38,574 Thanks
    Sun Addict
    He wasn't in those tight trunks was he - like in Casino Royale
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 9:36 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    No unfortunately!

    Nice tuxedo though (plus trousers of course!)
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Jan 18, 9:55 PM
    • 4,426 Posts
    • 30,701 Thanks
    HairyHandofDartmoor
    I'm more of a Sean Connery fan
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 10:03 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    I liked him too when he was James Bond!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Seasidegal58
    • By Seasidegal58 7th Jan 18, 7:03 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    Nice quiet Scrimpy NSD today! Went for my brisk walk - lovely sunny day today - got home and did my ironing.

    Made chili for dinner and used Tom Kerridgeís method of roasting the mince- worked very well! Just have to see what the end result tastes like later! Plenty will be left over for tomorrow night with a jacket potato.

    Lunch all done for tomorrow - had some smoked salmon in the freezer that I bought before Christmas so that will do two lunches this week. First weekís weigh in day tomorrow!

    Scott: if youíre reading this I owe you an apology. The new series diet programme you mentioned DOES start next week. I was looking at the catch up details on the previous series when I looked on All4. I did watch the episode on the 5:2. The lady trying it out had quite a bit to lose and went on it for 3 months. She ended up losing 1 stone 2 lbs so not bad. Not sure what her calorie intake was on the other days but Iíve a feeling she cheated a little!

    Anyway back to work tomorrow - start of the full five day week.

    Iím not doing anything in particular in the week but a friend and I are going to see the Gary Oldman film about Churchill - Darkest Hour - next weekend so will be booking tickets for that.

    Have a relaxing Sunday evening everyone.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Cumbria lass
    • By Cumbria lass 7th Jan 18, 7:26 PM
    • 1,897 Posts
    • 11,573 Thanks
    Cumbria lass
    It was a lovely day today, how winter should be ! All ready for work I see . Have a good evening , the chilli sounds nice.
    CC1 £3475 May 2018
    • Sun Addict
    • By Sun Addict 7th Jan 18, 7:48 PM
    • 5,838 Posts
    • 38,574 Thanks
    Sun Addict
    Another one here not looking forward to the 5 day week - boo
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Seasidegal58
    • By Seasidegal58 7th Jan 18, 7:53 PM
    • 1,978 Posts
    • 12,242 Thanks
    Seasidegal58
    It was a lovely day today, how winter should be ! All ready for work I see . Have a good evening , the chilli sounds nice.
    Originally posted by Cumbria lass
    Another one here not looking forward to the 5 day week - boo
    Originally posted by Sun Addict
    Yes - 2018 has now officially started..........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • redofromstart
    • By redofromstart 7th Jan 18, 8:02 PM
    • 1,763 Posts
    • 10,750 Thanks
    redofromstart
    I saw a trailer for the Darkest Hour when I took the boys to the cinema, looks excellent.

    HHoD I'm absolutely with you on Sean as Bond.
    • Sun Addict
    • By Sun Addict 7th Jan 18, 9:05 PM
    • 5,838 Posts
    • 38,574 Thanks
    Sun Addict
    His son Jason was a bit of alright unfortunately you don't hear of him now.
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
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