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

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  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope it goes well tomorrow :)
    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
    Ooh that all sounds yummy, what time do you want me :p.

    Can you freeze the overdone scones for future cobblers? 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!
    Everyone has gone home now. We made over £100 at the coffee morning so I am really pleased. It is a good boost to the Food Bank funds.

    I know we are struggling but there are lots of others in a much more serious situation than us. It has been good to do something and I had lots of really nice people here too :)

    Now to help look after DGD while DD gets the cottage ready for the next people later today. AND we have a Quality inspection at 5pm !!!!

    Our family seems to have everything or nothing going on.
    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".
  • please-let-me-be-lucky
    please-let-me-be-lucky Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab amount raised, well done!

    I'm sure the inspection will be fine Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Knit_Witch
    Knit_Witch Posts: 4,436 Forumite
    1,000 Posts Combo Breaker
    Yay on the money raised and I am sure the inspection will be fine
    Must use my stash up!
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Great amount of money raised Pooh well done, and all that baking as well ?!
    I had a chat with the lady from our local food bank recently, its only been open about two years I think but she said they couldn't believe the increase they had had from people in need of help int he last six months.

    How is your back doing now, has it eased at all ?x
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Amazing about the coffee morning:T:T go you!!

    And great news re the bed, OH's work and all the other good things. Particularly after your nasty illness it's exactly what you deserve, hun:)
    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
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Good to see you back posting Pooh and you're sounding very positive too. Hope the inspection goes well.

    How's the speedy salad doing? I think we will be eating ours within the week along with some rocket which is growing even faster.
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    We passed the inspection.:j. And we have no recommended improvements either:j

    The inspection was for Quality Cumbria who don't give gradings and are about 20% of the cost of the national scheme.

    There is a mini festival locally (about 15 miles away, which for us is local) today. All my older friends ( I mean more elderly than me) were talking about staying over and sleeping in tents and cars. I feel older than them, at least my back is, so if we go, we will drive home. There are lots of bands we have never heard of :D it is onLY £10. I think I am talking myself out of it as I write :D

    PG my back has settled a little. I took my perching stool into the cottage for the coffee morning. It helped a bit. I still can't lift a kettle. The chiro says I have lots of things causing painn nect, mid back and lower back and femoral nerve again. It is like sciatica but pain is down front of leg.

    There is a 3 month wait for a physio appointment.....

    Happy, your speedy salad and rocket is much speedier than mine. But then I am 1300 feet above sea level. Nothing ready to pick yet :( the seeds I sowed inside for DD are now huge plants, peas beans and courgettes. And mine outside haven't germinated yet. I am thinking of using some of DD's beans :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: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    3 months for the physio :eek:
    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.
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