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

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  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    brizzledfw wrote: »
    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

    This will be the last holiday with us all together so we will be making the most of it>
    beanielou wrote: »
    Sneaks in her Oreo's order ;)
    How many would you like? :)
    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
    We couldn't have done any of this without my legacy from my dad's estate which has almost gone :eek:. I am Determined to be as MSE as possible when we are away. I have been researching free things to do in new |York. The apartment is on Staten Island so we can travel into the city on the free commuter boat past the Statue of Liberty.

    Niagara Falls will be a pricey couple of days but we decided to have a little luxury for a couple of days after New York. even then I have managed to squeeze 7 of us into two rooms :)

    The hotel has a pool etc so we can take some time off from travelling for a couple of days and relax.
    Then we go on to a ranch belonging to a friend which is also a freeby for a week.

    Only thing I need to research now is for three days in Toronto at the end of our trip. Almost there.....:)
    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".
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Just changed my signature, 48.75% paid off :)

    Barclays Finance kitchen loan to start throwing any spare cash at when we get back.
    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".
  • Lovely to think of you having such an adventure. You deserve it.

    Well done for almost being half way to debt freedom :T Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • beanielou
    beanielou Posts: 95,765 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So very pleased for you.
    Have a fantastic time & I'm sure your dad will be looking down smiling on you all(apologies if that offends).
    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: »
    So very pleased for you.
    Have a fantastic time & I'm sure your dad will be looking down smiling on you all(apologies if that offends).

    Beanie it definitely does not offend, it is a lovely idea. Iwill make sure I tell all the family.

    Prayers etc still needed for a VISA for DS1. He is now concerned he will be stuck here while we all have the holiday of a lifetime.


    I have received three quotes for value of DA's house for probate. On Monday I need to find someone to go over and value the contents. After that we can start to remove personal things.

    Plmbl, I will pm you later.
    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".
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Wow fantastic news re the debt, that must be a big weight off your mind

    Sure your dad would be pleased to hear it's made such a difference to your life

    Holiday sounds fantastic

    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
  • I agree with Beanie and think you're dad would be smiling down on you all :) we would still be in debt now if it wasn't for DH's grandad leaving us some money. And we are forever thankful for it :)

    Good luck with selling DA's house I hope it doesn't take too long to keep stress levels to a minimum for all of you xxx
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Enjoy the trip...and yes agree with everyone else that your dad would want you to enjoy it and be happy when you use it..

    I was pegging out today and thought of you..you know why ;) thanks pooh :)
    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
  • Just popping by to wish you a Happy Easter. Hope you are having a fantastic trip Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    Hope the trip is going well, enjoy:)
    Visa £[STRIKE]5063 [/STRIKE]now 0. Loan 1 €[STRIKE]4885[/STRIKE] now 0. Loan 2 €29,590 now €0 as of 22/02/2016 Mgage €55000/ €23,639 at 01/02/18
    Proud to be dealing with my debts - DFW Nerd 1209 Keep on keeping on folks DFD FEB 2016 MGE FREE 2024 (hopefully earlier)
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