LBM in 2003.. What have I been doing since??!

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  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
    YAY well done :j:j:j:j:j:j:j

    SUPER AWESOME xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • dawnybabes
    dawnybabes Posts: 2,557 Forumite
    Name Dropper First Anniversary First Post
    Woo hoo, soon pleased for you :beer::beer::j:beer::beer:
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,029 Forumite
    First Anniversary Name Dropper Photogenic First Post
    edited 31 March 2014 at 2:14PM
    Am so pleased my smilies are working now as I just want to say...

    :dance: _party_ :dance: _party_ :dance: _party_ :dance: _party_ :dance: _party_

    Go Brizzle! You made it!

    Fortune x
    Mortgage: 86% paid Mortgage Neutral: 100% Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • debtfreewannabe321
    debtfreewannabe321 Posts: 7,104 Forumite
    Name Dropper Photogenic First Post First Anniversary
    :j :j :j :T :T yay!!!! So pleased for you :D and an emergency fund up and running too!! Well done! :beer:
    2024 Mortgage-free wannabe #17
    OP straight to mortgage - APRIL £305.67/ 206.88 (ytd £638.67)
    MOP savings account 1200 / 3000 to be paid later this year
    Mortgage balance Jan 1st 2024 £99224.13 Feb 1st £98,833.72 Mar 1st £98,928.18
    Apr 1st £97,646.20
    Emergency fund £1260/ 1500 84%
    Food Budget - JAN 484.44/500, FEB 488.59/500, MAR 439.33/500, APR 531.34/500 -OOPS
    https://forums.moneysavingexpert.com/discussion/6496485/buying-a-little-piece-of-middle-england#latest
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 5,418 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    brizzle - late to the party - but just wanted to add my heartfelt CONGRATULATIONS to you on becoming debt-free :j

    You've worked so hard - as have 'team brizzy' - to achieve this, and as kerri pointed out, on schedule and whilst remembering to *smell the roses* as you went along :T

    I do hope you're going to remain on MSE - even if you go and *play* with the MFW crowd :D:D:D

    Again, well done, well done, well done :D

    Greying
    Pounds for Panes £2,590/£10,000 - start date Dec 2023

    Coins for Camping (April) -  £2/£15  (Camping TTD - £60/90)
     
    Grocery spend April £176.38/215
    Non-food household spend April £25.94/25
    Bulk Fund April 0/£10

    Knitted items for charity 1/24 (inc. Blankets 1/6)
  • FlacosFloozie
    FlacosFloozie Posts: 816 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    Delurking to say a massive CONGRATULATIONS to you and team brizzle!

    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

    I'm doing my very best happy dance for you!
    MFW 2024 £0/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £99,801.75 FP May 36 Emergency Fund £17,500 100% Added to ISA 24 £0 Save 12k in 24 #31 £0/20,000 Debt Free 31.07.14
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,833 Forumite
    Mortgage-free Glee!
    Hi Brizzle, fab news and I send you a few :T:T:T, a couple of :j:j and a heartfelt congratulations.


    Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Congratulations! :)

    Also thank you for giving me some more motivation to clear my debts too.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    edited 31 March 2014 at 5:50PM
    THANK YOU EVERYONE :D

    I am very touched at all your good wishes. As ever kerri and GP (and sorry you have decided to take a bit of a break from MSE..am even more touched that you popped in :)) you remind me that we have, Fortune Smiles style, managed to stop and smell the lilies on the way. Quite honestly, we have not wanted for much...if anything..which is a salutary reminder that we can have a perfectly fulfilling life with much much less spending

    OH and I have walked for 3 hours today..chatting whilst we went in on errands into town and back. It was very nice. We have also picked some young dandelions and sorrel from the allotment to have as a salad for tea tonight..I have made the NL honey & mustard dressing to offset some of the lemony/bitterness but we shall see..I do like foraging :)

    I was also very pleased to see some wild garlic/ransomes..I planted some about 2 years ago but didn't think it had taken but there it was, sprouting up under an apple tree :) so I may do a courgette and ransome pesto for more pasta later on in the week :). I did a survey and we made £1.15 on the panels.

    SO..today I am very grateful for:

    - MSE and all the support I have gained on here :D
    - our little allotment and the plans we have for it (before we get overwhelmed!)
    - my new savings pots for emergencies and 'life'

    Have a great eve

    x
    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
  • lucielle
    lucielle Posts: 10,717 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Fan tabulous news. Well done.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
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