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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!
    Thank you pwps :) I am hoping this year will be a lot better than recent years. Thanks to Bonnington, plmbl and beanielou. I hope you all have a great New Year and next year turns into a much better year for all of you too. :)


    I have had a lovely Christmas, so far far, different to last year. The only disappointment was that Mr P thought I had bought myself a present so he didn't get me anything except a couple of pyjama tops which I bought. :D Silly man :)

    One of my friends bought me loads of presents so I had lots to open :D I also got a bottle of Baileys, a book, a silk scarf, some great recipe books a multi colour scarf, face cream.

    We have been to visit DA today and she told me not to visit again as she is going home. I am not so sure she will be able to manage alone. I guess she will have to be given the chance to try.
    It won't be very soon, sadly for her, as she is back in the ward where she was forced to eat.

    All my sons are still here. I am still living in a house with four men and sometimes five :) They are all very well trained and will cook and clean when asked.

    I did a lot of research and have ordered a halogen oven which has a basket included, for chips. We have missed the Actifry so are hoping the halogen will work well for us. I bought the JML with attachments/extras for £69.99 and also got cashback.

    I am still looking at overlocker sewing machines as I quite fancy having one to make my sewing quicker and neater. Can't make up my mind whether it would be a need or a want :)
    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: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Love my halogen.
    Mine was an Aldi one at thirty quid as wasent sure if I would use it.As DS is at Uni I use it a lot.One with a basket would have been good.
    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!
    We loved the actifry but bought it cheap on ebay. The halogen oven is much cheaper than actifry and can do more, I think/hope :)
    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".
  • Happy New Year Pooh. May 2014 rain blessings down on you, you deserve them Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Happy New Year, Pooh. I think 2014 is going to be a good one :)
    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
  • Knit_Witch
    Knit_Witch Posts: 4,436 Forumite
    1,000 Posts Combo Breaker
    May 2014 and onwards be better and better for you and yours
    Must use my stash up!
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Happy New year Pooh, I hope 2014 brings happiness, health, wealth and good fortune to the Pooh family

    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
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    thank you for all the Happy New years :)

    I have had problems getting to use my laptop as DSs have all been using mine. Although I have to admit I have started posting on the SW thread again. I have gained so much weight. I am sure it is true that eating healthily costs more than filling up on carbs.


    I have heard from Lioydstsb that they are refusing my reduced offer and suggest I send in an improved offer. C0op have sent a very threatening letter even though I had a phone call from them accepting my offers, very confusing.

    Boys have finished plaster boarding (with high density insulated board) the hall: the walls this time and so it means that we can get the boiler put in as soon as it is plastered and painted :D

    And the most exciting thing is that I have a new neighbour at last. :D And she has 2 pigs and a sheep :) It has been worrying having lots of property developers looking at it and considering huge extensions. She likes it just as it is, quirky.
    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: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on new neighbour.
    Boo to the c00p.
    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.
  • Hello Pooh I'm slowly catching up with everyone :) glad to hear about the one f&f that was accepted :) boo to the one that wasn't! Good news on the new neighbours too, perhaps some free bacon might come your way ;)

    Bit late but really hoping 2014 is a good year for you and the family :D
    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
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