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  • FIRST POST
    • Seasidegal58
    • By Seasidegal58 18th Sep 16, 1:27 PM
    • 1,993Posts
    • 12,261Thanks
    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
    Heres 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 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 its called Scrimping Behind the Scenes with Debt of 31,000! (sorry, I cant 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 dont have to do this in secret anymore! My reasons for cutting back financially will be out there for friends and family to see 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 employers 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 employers company scheme and both they and I pay into this though again its 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 people clear out.

    Im 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 Emergency Fund. 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 interesting times!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
Page 29
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 8:22 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    You may be doing a lot of toilet trips in the night
    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 9th Jan 18, 8:24 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    Tell us the Brad Pitt one SSG
    Originally posted by HairyHandofDartmoor
    OK - Well he stayed in a hotel room once just before I stayed in it so when I sat on the loo I could at least say I sat where Brad had just sat! Now you know how weird I am.

    Oh and the chambermaid told me she had taken away the soap he used as a memento!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 8:27 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    You may be doing a lot of toilet trips in the night
    Originally posted by HairyHandofDartmoor
    Yes and Im already on a diuretic tablet each day relating to my blood pressure!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 8:28 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    That's amazing . I expect the chamber maid had cleaned the toilet inbetween but still and you slept in his bed .
    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 9th Jan 18, 8:29 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    Yes and Im already on a diuretic tablet each day relating to my blood pressure!
    Originally posted by Seasidegal58
    Ooer
    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 9th Jan 18, 8:31 PM
    • 1,909 Posts
    • 11,609 Thanks
    Cumbria lass
    Loving your story, and your a hero in diet land , well for me you are .

    Have a good evening.
    CC1 3475 May 2018
    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 8:31 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    That's amazing . I expect the chamber maid had cleaned the toilet inbetween but still and you slept in his bed .
    Originally posted by HairyHandofDartmoor
    Crikey I hope she did! Im not that weird!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 8:36 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    Crikey I hope she did! Im not that weird!
    Originally posted by Seasidegal58

    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
    • JWPopps
    • By JWPopps 10th Jan 18, 12:21 PM
    • 329 Posts
    • 1,739 Thanks
    JWPopps
    My only claim to fame is that I've met the Chuckle Brothers
    Mortgage: 86,182.17
    Credit Card Debt: 1,702.42
    Loan Debt: 5,306.47
    Savings: 600.00


    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 7:12 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    My only claim to fame is that I've met the Chuckle Brothers
    Originally posted by JWPopps
    Nothing wrong with Barry and Paul JW.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 8:45 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    Again a busy day with not much to report. Wasnt a NSD as I bought a birthday card and chocolates in M&S for a colleagues significant birthday on Friday. The chocs look really nice and are already wrapped with a Happy Birthday tag.

    Was an off-fast day on the diet today so porridge and banana for breakfast, smoked salmon sandwich with fruit for lunch, and baked jacket with fish fingers and low sugar baked beans for dinner.

    Ive got quite a bit in the freezer at the moment so will try and utilise here as much as I can.

    Oh and finally managed to get 1 from PA survey last night plus 50p on One Poll and 25 points on You Gov.

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

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Cumbria lass
    • By Cumbria lass 10th Jan 18, 8:50 PM
    • 1,909 Posts
    • 11,609 Thanks
    Cumbria lass
    Sounds like a tea I would have. Have just started to read your old diary SSG .
    CC1 3475 May 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Jan 18, 8:52 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    My only claim to fame is that I've met the Chuckle Brothers
    Originally posted by JWPopps
    I've seen them in a pantomime, but I'm not sure I can claim to have met them .
    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 10th Jan 18, 8:56 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    I'm glad you finally got a study from PA. I've had 8 studies in the last three days, I don't know what's happening but I'm not complaining .

    Your meals sound good today .
    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 10th Jan 18, 8:57 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    Sounds like a tea I would have. Have just started to read your old diary SSG .
    Originally posted by Cumbria lass
    Good luck with the diary Cumbria - it was rather a scenic route to debt busting that finished abruptly with a fall off the cliff!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Seasidegal58
    • By Seasidegal58 13th Jan 18, 6:55 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    Well it!!!8217;s been a rather odd, forgetful few days - !!!8220;Mercury in retrograde!!!8221; I think is the astrological term!

    Thursday - I had booked an appointment at the docs that morning to have my blood pressure checked as when I picked up my last set of pills the chemist told me they had a note from my surgery to let me know it was due. Duly put it on my calendar, the surgery sent me a text reminder and told boss I would be late in. So what did I do - I got up and went straight to work! Boss gave me an odd look when I came in and then I remembered! This was immediately followed up by a terse text from the surgery telling me I had missed my appointment. I!!!8217;m now on the naughty step at the surgery!

    DSis also rang and mentioned about DD and OH!!!8217;s visit this month for our !!!8220;Alternative Christmas!!!8221; weekend which I thought was at the end of the month and she confirmed was next weekend!

    Friday- work was extremely full on, but it was my colleague!!!8217;s birthday so I went for a very quick one at her lunchtime drinks - was pleased that I had one glass of Prosecco ( still thinking of diet as well) and came straight back. I had a project to finish so decided to do my other tasks and work a bit later on the project after most had gone home and it was quieter. At 5.30pm our systems shut down! I had forgotten that IT was shutting it early that evening. So now I!!!8217;ve missed my deadline!

    Today - had appointment for pedicure this morning at 10.15. Set alarm for 8am. Had a restless night, woke up at 3am and couldn!!!8217;t get back to sleep for ages. When alarm went off pressed stop instead of snooze button and woke up at 10.35! Made grovelling call to salon who were very nice about it and booked me in next week!

    Do you think it!!!8217;s early dementia? I am eating lots of fish in mitigation.

    Pluses were that I!!!8217;ve managed to stick to another 500 calorie day of the 5:2, had two NSDs and was paid out 17.50 today from the dress agency!.

    Settling down tonight with more fish for dinner to help with the dementia!

    Have a good evening everyone.
    Last edited by Seasidegal58; 13-01-2018 at 7:12 PM.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Sun Addict
    • By Sun Addict 13th Jan 18, 7:04 PM
    • 5,847 Posts
    • 38,633 Thanks
    Sun Addict
    I think it's down to having a lot to remember rather than dementia SSG I get worried sometimes when my mind goes blank or I forget someone's name.
    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 13th Jan 18, 7:11 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    I think that you are just tired and busy SSG. These dark mornings and cold temperatures don't help.

    Try and do something relaxing at the weekend ( although eating fish will be good for you ). Are you still doing Pilates.? That is very calming. I've often thought that Tai Chi would make me feel relaxed .
    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 13th Jan 18, 7:14 PM
    • 1,993 Posts
    • 12,261 Thanks
    Seasidegal58
    I know! Sometimes I feel it would be nice to open up my head and insert a calendar and filing system!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: 665.09
    MONTHS TO RETIREMENT: 35!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jan 18, 7:18 PM
    • 4,426 Posts
    • 30,725 Thanks
    HairyHandofDartmoor
    I know! Sometimes I feel it would be nice to open up my head and insert a calendar and filing system!
    Originally posted by Seasidegal58
    I think we've all been there
    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
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