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

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Comments

  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hope you get out and about safely!
    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
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    brizzledfw wrote: »
    Hope you get out and about safely!

    I have stayed in the house. Much safer.:D
    I have a very swollen knee so I am not taking any chances.

    Today I have gone through our finances again. According to my reckoning our outgoings are more than our income. And that is without any extravagences.

    I am going to pay Mr P's tax bill tomorrow, with the help we received from DA. That is of course if they will allow me to do so over the phone whilst he isn't here to give permission.

    Second job is to research electrical goods warranties to see if I can make savings. And phone 5ky tv to try to make some savings.

    Today has been another NSD. I need to count up how many days have been NSDs this month.
    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!
    Sorry it's so tough at the moment pooh.

    Fingers crossed the cottage is booked out every week for the next year:D

    Brizzle
    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
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    brizzledfw wrote: »
    Sorry it's so tough at the moment pooh.

    Fingers crossed the cottage is booked out every week for the next year:D

    Brizzle

    Thanks brizzled.

    We should have known better than to take on all this debt. We had just started a major building project when the last recession hit in the 80s. I remember having to buy food on the credit card then too.

    Maybe it could be a warning to financial leaders of the world. Pooh is embarking on a building project.......major recession about to happen
    . Last time our interest rate went up to 15.9% on the mortgage:eek::eek: This time we have a fixed rate for a few years.

    We are struggling but getting through each day one by one. :)

    I was given a helping hand from a grant fund yesterday. :D
    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: 96,137 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the grant fund.
    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.
  • please-let-me-be-lucky
    please-let-me-be-lucky Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fantastic news on the grant funding Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Fantastic news Pooh re the Grant Funding. Hopefully that will make things a little easier xx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Our power has been off today because of tree pruning. Just trying to catch up. We are hoping things will continue to improve here.

    Bad news for DB. He has had a new delivery of heating oil stolen. Just hours after delivery and payment, he has an empty tank. He has also been burgled and his cds, books and cd player stolen.
    I gave him egg and beans on toast for lunch. Not a lot of help but a little bit of warmth and some food in his tum. He has signed on and is officially unemployed again after his contract ended last week.

    Mr Pooh had another day's work this week and a day cutting up donated wood today so we are toasty warm in our living room. :D

    I had my hair colour and cut. They charged me just £5 for colour cut and blowdry. There are some amazingly kind generous people in this world.
    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!
    Oh so sorry to hear about the theft. Hope he bounces back.

    Great news re wood and the haircut!! £5 doesn't even cover the cost of the colours I'd think:D you obviously inspire people to go out of their way for you..well done honey :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
  • please-let-me-be-lucky
    please-let-me-be-lucky Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So sorry to hear about DB, there really are some nasty people in this world :mad:. On the flip side, there are some fab people too, brilliant news about the hairdressers Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
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