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Debt free in ten years-my new, more realistic challenge.

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Comments

  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    PG you made me smile and chuckle. How different our life is from the last few years. We are still having to be careful, we don't want to waste money.

    I didn't have a NSD day yesterday or today.

    I didn't have to pay for the window fitting yesterday as the glass which was specially made to fit the old arched barn door frame didn't fit at all. They have put plasterboard up but it has made my lovely cosy house draughty again:( Only temporarily :)

    Today I have paid out a hefty £61 for an Avon order but I did order bras so I can try for size and some or all will be returned. I also bought a new teddy comforter for DGD to take with us on the plane in case she needs cheering up. I have hidden it away for now.

    We need some luggage so if anyone comes across any bargains I would be very grateful to hear about them.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Very exciting. Thrilled for you 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
  • beanielou
    beanielou Posts: 95,765 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh that's a pity about the window.
    Hopefully soon.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    beanielou wrote: »
    Oh that's a pity about the window.
    Hopefully soon.

    I forgot to ask how long it would take for a replacement to be made.

    It is just the hall that is draughty again but the new stove gives off heat to the room.

    Still no interview for a VISA for DS1
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • beanielou
    beanielou Posts: 95,765 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive vibes for an interview really soon.
    Have a happy weekend :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Hope all is going smoothly and you have a good weekend

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    What a busy time we are having. Our internet has been quite intermittent and I think that is why the posts I tried to make via my phone didn't make it to here

    Mr P is busy repointing our lovely stone interior wall.:) DS2 has helped with things too. It is really looking good.

    My car broke down, went to dealer for repair, spent a week there and we had to travel 70 miles to collect it today to find it had the wrong transmission oil in it. Guess who last worked on the transmission?

    I have, at last finished with orders for suits for the groomsmen. It was like getting blood out of a stone getting some of the young men to let me know their sizes :D

    L1oydstsb CC has now been paid off :D :j:j:j I made our final payment on Tuesday. We still have a small ammount owing on 5antander CC in Mr P's name. They asked for the letter from the doctor so I have sent a copy to them. We just need to wait and see what they decide they want us to pay.

    I booked an apartment in New York which sleeps 17 for lots of us to stay in for our two days there. It has worked out at £35 per person for the two nights. Which I think is very MSE

    This is for the two nights after the wedding when we travel into the city to do a bit of sightseeing with the bride and grrom. Their first two nights as a married couple will be with 13ish friends and family. Both sets of parents, all their siblings and best friends will be together.

    We are busy researching cheap/free things to do in New York and Toronto.

    Somehow I managed to spend £78 in 4ldi today. Mr P spent about £80 on Monday but at least the house is well stocked at last. Still really appreciate being able to buy whatever food we want to, within reason :D We do need to be careful as we still have a little money left but we want to be able to use it when we are away.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Wonderful news...good things definitely come to those who wait ( and deserve them;)) it's so lovely to hear you being careful, but at the same time able to go to the wedding, have a trip of a lifetime etc:D
    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
  • beanielou
    beanielou Posts: 95,765 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sneaks in her Oreo's order ;)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,478 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Wow that apartment is very mse! Pat on the back for you :D so glad things are easier this year for you, you've come such a long way in such a short space of time! Xx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
    https://forums.moneysavingexpert.com/discussion/6496485/buying-a-little-piece-of-middle-england#latest
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