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  • FIRST POST
    • Seasidegal58
    • By Seasidegal58 18th Sep 16, 1:27 PM
    • 1,865Posts
    • 11,336Thanks
    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 - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
Page 41
    • Seasidegal58
    • By Seasidegal58 11th Apr 18, 8:12 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Yes looking forward to the weekend and hopefully some sun Cumbria!

    PA is rather fickle - I didnt get any surveys from them in ages and then they all arrive together like buses!

    Hope you're feeling a bit more comfortable tonight after your time at the dentist today.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Seasidegal58
    • By Seasidegal58 11th Apr 18, 8:15 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Warm and sunny all day here .

    You're doing well with PA, they've abandoned me now, I knew my golden streak couldn't last .

    Have a nice evening .
    Originally posted by HairyHandofDartmoor
    As I said to Cumbria, PA are fickle Hairy. I think they've moved over to me this week. You'll get them back next week!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Apr 18, 8:15 PM
    • 3,903 Posts
    • 26,092 Thanks
    HairyHandofDartmoor
    I hope so
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • Seasidegal58
    • By Seasidegal58 12th Apr 18, 9:16 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Another meh day. Can't wait until this weather changes for the better - so depressing. Decided to cheer myself up with fish and chips on the way home - 6.55! The price seems to jump 10p every time I buy it! Too expensive! Spoilt a NSD andI didn't even really enjoy it after all.

    Bright spot was whizzing 6.41 from Topcashback to my bank and this will go into the savings fund.

    Signing off tonight from a dank, drab Seasideville!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Apr 18, 9:26 PM
    • 3,903 Posts
    • 26,092 Thanks
    HairyHandofDartmoor
    I hope your weather improves soon SSG, especially for the weekend.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • Seasidegal58
    • By Seasidegal58 12th Apr 18, 9:28 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    So do I Hairy. It's obviously having a weird effect on me - I've just unsubscribed from my own diary!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Apr 18, 9:38 PM
    • 3,903 Posts
    • 26,092 Thanks
    HairyHandofDartmoor
    So do I Hairy. It's obviously having a weird effect on me - I've just unsubscribed from my own diary!
    Originally posted by Seasidegal58
    Oh dear, early night needed I think .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • Seasidegal58
    • By Seasidegal58 13th Apr 18, 7:42 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Hooray for the weekend - finally!. I don't remember a working week dragging as much as this for ages - and I've been busy!

    Coffee with my friend lunchtime - she paid as it was her turn. I also bought some badly needed underwear in M&S with my loyalty vouchers. I had to top it up with 4.45, but did get 20% off with a voucher they sent me and the cash came out of the clothes budget. 39.87 left in there now.

    I also bought some chocolates in there (6) for the girls in the shop who found my wallet. But I had another voucher for 10% off food so used this towards the purchase.

    I've finally cashed out with PA - so 23.37 to go into the savings pot when it arrives.

    Tonight I'm slumping in front of the TV. Tomorrow I'm pulling out the summer shoes that are living under the bed to sort out what I'm keeping and the winter footware are going to hibernate and take their place until the autumn!

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

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • redofromstart
    • By redofromstart 13th Apr 18, 8:44 PM
    • 1,611 Posts
    • 9,600 Thanks
    redofromstart
    Happy Friday Seaside. Its finally been my day on PA, 12ish. Unheard of riches.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Apr 18, 9:42 PM
    • 3,903 Posts
    • 26,092 Thanks
    HairyHandofDartmoor
    Enjoy your tv slump and well done on your PA riches .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • Sun Addict
    • By Sun Addict 15th Apr 18, 3:19 PM
    • 5,611 Posts
    • 36,279 Thanks
    Sun Addict
    I think the week dragged too - maybe because it was the first full week after Easter. I love getting out the summer clothes/sandals and packing the winter ones away
    Virtual Sealed Pot 2018 250.33
    Debt 2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund 2000/10,000
    Dining room fund
    • Seasidegal58
    • By Seasidegal58 15th Apr 18, 7:18 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Happy Friday Seaside. Its finally been my day on PA, 12ish. Unheard of riches.
    Originally posted by redofromstart
    Enjoy your tv slump and well done on your PA riches .
    Originally posted by HairyHandofDartmoor
    Thanks guys - Well done on your 12 redo! I'm wonder if PA will neglect me for a bit now that that I've been paid out?

    I think the week dragged too - maybe because it was the first full week after Easter. I love getting out the summer clothes/sandals and packing the winter ones away
    Originally posted by Sun Addict
    Hi SA - I sorted out the shoes - one pair of sandals will go to the dress agency - was worn once but feel a bit tight. I'll have to buy a new pair of low black sandals for work though.

    Last night I decided to watch the new series 'The City and The City" on BBC2 - was totally enthralled and ended up bingeing on the whole four episodes on Iplayer! I've downloaded the novel on kindle so that will be my next read!

    I met my friend for brunch today - it was quite warm though misty so we sat outside the cafe and looked over the estuary. Lovely after all the grotty weather during the past week. However it suddenly went overcast and the wind sprang up so we put our coats on! Nice to eat outside in the fresh air though.

    I've updated my savings fund as the PA cash hit my bank plus a Tilly tidy.

    Next week is going to be spendy as it's birthday week! Friday lunchtime I'm out with work girlfriends and in the evening out with friends I used to work with. Saturday evening I'm out to dinner with my local friends! Plus cakes to buy for work as well! Nails, hair and pedicure too! Roll on payday!

    Relaxing with the TV again tonight! Work tomorrow - bah!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 8:48 PM
    • 1,683 Posts
    • 9,973 Thanks
    Cumbria lass
    Looks as though your birthday week is going to have some good weather in it. You have lots planned and to look forward to.

    I am hoping to get my summer stuff out this next weekend , I have a couple of outfits out for the warmer weather this week. PA has been good this week , I will cash out at about 12 tomorrow.

    Have a great week.
    CC1 3655 April 2018.
    • Seasidegal58
    • By Seasidegal58 15th Apr 18, 9:03 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Thanks Cumbria - there's nothing like feeling that spring/summer is finally on its way than wearing some lighter, brighter clothing!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • brizzlegirl
    • By brizzlegirl 18th Apr 18, 8:03 AM
    • 145 Posts
    • 903 Thanks
    brizzlegirl
    Glad you!!!8217;re doing well SSG.. lighter brighter clothes would indeed be nice. I am wearing a lighter coat to work today.. fingers crossed its a good sign and the weather stays mild and maybe even dry.

    Thinking of you again with my flask of coffee on the train. Even brought my lunch! Go me! :rotfl;
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March ] Income Goal 45/750 April Goals: AFDs 10/15; Declutter 60 items 03/60; LSDs 04/10; NSDs xx/10 Exercise 10/30 Aiming to be a true Frugalista!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th Apr 18, 9:38 PM
    • 3,903 Posts
    • 26,092 Thanks
    HairyHandofDartmoor
    You're going to have a lovely weekend celebrating with all your friends SSG .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • Seasidegal58
    • By Seasidegal58 22nd Apr 18, 1:31 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Glad you!!!8217;re doing well SSG.. lighter brighter clothes would indeed be nice. I am wearing a lighter coat to work today.. fingers crossed its a good sign and the weather stays mild and maybe even dry.

    Thinking of you again with my flask of coffee on the train. Even brought my lunch! Go me! :rotfl;
    Originally posted by brizzlegirl
    Hi brizzle - have been wearing lots of light clothes during this glorious week. Wore nice shocking pink linen jacket on one day - really made me feel summery! Unfortunately though my feet have become rather soft what with the pedicures and wearing boots for all these months so at the end of the first day of wearing sandals my feet had really rubbed and were quite sore!

    Good for you with the flask of coffee! Luckily for me the train company turned on the air conditioning since Thursday so didn't swelter!


    You're going to have a lovely weekend celebrating with all your friends SSG .
    Originally posted by HairyHandofDartmoor
    I've had a great week Hairy. Went to a yummy cheese and wine place on Friday lunchtime with my work girlfriends - sat outside in the sunshine - they were so sweet and wouldn't let me pay. Met a couple of other friends who I used to work with in the evening and then had a lovely Italian meal last night with my local friends. Brunch this morning with another girlfriend - sat out looking over the estuary in the sunshine and am now slumped on the sofa! I received some lovely presents so feel very fortunate..

    But as a result it's hardly been a Scrimpy week! Dont really care as it's my birthday but have to knuckle under a bit now. It's pay day on Wednesday so will be juggling a few things - I can put my kitchen money away now as my bonus is being paid. My yearly eye test is coming up soon so will inevitably need a new prescription!. I've also ordered some sandals and trousers from Evans - but they were a need and not a want. I can fund these and any new glasses from the bonus.

    Also received my top Cashback payment so updating my savings signature.

    Back to work tomorrow. Hope everyone makes the most of this lovely sunshine!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 22nd Apr 18, 2:50 PM
    • 3,903 Posts
    • 26,092 Thanks
    HairyHandofDartmoor
    Happy birthday SSG . Glad you got some lovely presents and you sound like you've had an amazing weekend .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • Seasidegal58
    • By Seasidegal58 22nd Apr 18, 2:54 PM
    • 1,865 Posts
    • 11,336 Thanks
    Seasidegal58
    Thank you so much Hairy (and the cake looks delicious!)

    I can't believe I've reached 63 though! I'm afraid the mind is still willing, but the body is definitely getting weak!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 25/04/2018: 591.21
    MONTHS TO RETIREMENT: 36!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 22nd Apr 18, 2:58 PM
    • 3,903 Posts
    • 26,092 Thanks
    HairyHandofDartmoor
    I know the feeling SSG !. Today I would have liked to do some gardening or go out to an NT place, but felt too tired after yesterday. My mind was keen but my body wasn't able to keep up .

    Still it's how old we feel that's important .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
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