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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!
    I have just requested £16.42 from Quidco, £5.36 from Topcashback, £25 from Nectar transferred to ebay. I know I have some savings with Phone co-op so will see if I can withdraw that too. Plus two cheques to go into the bank, one from RSA for £126 and one from car insurance company for £30 cashback? That is £202 without the co-op savings :D Not bad for a couple of hours.
    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: 95,648 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great total for a couple of hours :j
    Sounds great to join DS3.
    Skye is lovely :)
    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.
  • Brilliant work Pooh, well done you Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    I agree. Very impressive Pooh. When are you going? Sounds lovely.
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Great to hear about the cruise holiday.

    Know what you mean re overspending. We are doing the same....so need to get back on it in September. Shall we try together?

    Sorry to hear about DS...hope he turns a corner soon.

    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
  • brizzledfw wrote: »
    Great to hear about the cruise holiday.

    Know what you mean re overspending. We are doing the same....so need to get back on it in September. Shall we try together?

    Sorry to hear about DS...hope he turns a corner soon.

    X

    Brizzled we are not home until the end of this week but if you are still up for it I would love to work with you to try to get overspending down and to live within our actual budget again.

    DS3 got engaged yesterday to a lovely American girl. We are delighted and thrilled for them. We, and they, have no idea yet where they intend to get married and live but whatever they decide it is going to be expensive for us 😀

    We haven't heard from DS2 since last week. Just hoping he is okay. He is at home looming after the house and animals.
    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".
  • Home from hols. Had a great time and loved the chance to see where DS3 works.

    New plan is hatched to save up for DS3's wedding wherever it may be. methinks a new thread is 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".
  • Congratulations on acquiring a new DIL-to-be!! Glad you had a good holiday.

    How did DS2 cope? Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Plmbl sorry that my reply to your post isn't here.

    Thank you :) We are delighted as she is a really lovely young woman.

    CD2 did quite well when we were away the first 12 days but after our brief busy home before we went to Scotland things did deteriorate a bit. He had a virus which continues to hang on in his chest.
    When we were away he had a purpose as he has animals to care for and phone to answer. Mr P thinks we should go away again but finances won't allow it. He thinks having a purpose was good for our son and I agree.
    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!
    Welcome to the home of the black dog :(

    Two depressed men and sometimes three and now me with injuries :(



    SEriously though, I am desperately trying to stay positive. I feel like I want to be creative but it is stifled byt the pain when I move. Any ideas of things to do will be very gratefully received. I have been like this for a week tomorrow and it is getting to me.

    I have had ideas of things to make for people for Christmas which will cost me nothing as I have the materials here. But I can't do them at the moment :(
    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".
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