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

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  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Boo to your back :(
    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.
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Hope your back is better today. Great that your son is getting out.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    edited 2 February 2015 at 3:37PM
    Thank you for all the good wishes for my back. It is still very painful so I have asked for a neck and back massage for my free treatment tomorrow.

    Thinking positively :) It should start to ease soon and then I have £100 worth of chiropractor appointments to use up this year. Just have to have the cash to pay for a £50 appointment. I haven't been for over 6 months so need a longer appointment unless I manage to negotiate a price :) I will phone later and see how I get on.....

    I have an Aqua credit card with a £300 credit limit, purely for emergencies. They have now decided to extend the credit to £1300 which I feel could lure me into debt again. Not sure what to do yet. I need to mull over it I think..

    Approved foods order arrived today so we now have lots of loo rolls, kitchen rolls and tins of beans and tomatoes. I also bought noodles for DS2 and some crisps for the men. My best buy is a tin of tomato puree. Just a 800g tin this time. I freeze it in small tubs or beakers for later use. I reckon it saves me a lot of money doing it this way.

    Mr P's pick up needs to be taxed but it is a hefty cost. We really need it in the winter to get in and out when it snows. And we use it to give lifts to customers.

    ETA I have just taxed Mr P's pick-up on-line with a direct debit so we pay monthly now. It was £220 for the year! I think we will SORN it in the summer again when it isn't required.
    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
    Sorry to hear your back is still bad. Will have to dig out my slightly larger hold-all, instead of suitcase for you to travel in. Wouldn't want you damaging your back more by having to fold yourself up to fit ;)

    I've got an Aqu^ card too, I use it for monthly spends and then pay it off in full each month. Because I know the interest rate is so high I never run up too much on it but it's handy to have access to emergency funds if needed. Especially whilst I'm travelling

    Hope you enjoy tomorrow 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!
    Granny you will need an extra extra large case to get me in ��Great idea to have the 4qua card for travelling. I found Mr P out. He had used the card for his social life. He was very sorry and is going to stay in the whole of February. Self imposed naughty step


    I have had my swim, steam room and massage. My shoulders were super tender and I hadn't even noticed.

    My haggling with the chiro turned out to be unecessary as the receptionist had already fought my corner for me and I get my treatment at the regular price despite not having been for over 6 months.

    4ldi shopping next
    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".
  • [QUOTE=poohbear59;67616853 Pudding will be frozen banana (if my blender can manage to chop up frozen banana. We had some black bananas so I peeled and froze them. They were very good inside, not a mark on them.


    I love eating frozen bananas - just like banana ice-cream and so much better for me. I freeze them whole and peel after removal from the freezer - I didn't realise you could freeze them peeled !
  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    Hope your back is feeling better soon. Im jealous of the swim etc hopefully will get to the pool sometime over the weekend. Really beginning to miss it now. Good news on the chiropractor :)
    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)
  • Hi Mrs P!

    Sorry I haven't been around recently. I really hope you are feeling better and the snow isn't getting the better of everyone. It's lovely to hear that DS2 is out of bed and helping out. A little bit of work and plenty of excersize helps the body and the mind.

    Please feel free to use the pocket idea. I stole it from the interwebs somewhere. I think it's a great idea and very simple to make (which is always necessary for me!!).

    I hope the snow clears away soon and your muscles give you some peace.

    Take Care

    October xx
  • Not that you're under any obligation to post, but as you've not said anything for a little while - hope all is ok with you and yours. Sending best wishes anyway xx
  • Mrs P!!

    Come out come out where ever you are!!

    As Elizabeth has said, hope all is well. We are missing your updates!

    October xx
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