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Debt Free? then what?!?!?!

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  • Hi All :hello:
    Have updated my sig and appart from blip in October we will be debt free fingers crossed in January!

    I put some stuff on ebay which netted me £46 net of fees!
    want to sell some more stuff on ebay!
    book sales slow
    still to sell the Wedding dress
    still to apply for smaller bank charges although Im not sure what the status is around claiming at the moment!

    we have not moved and this is looking v unlikely at the moment
    The next area of focus is overpaying the mortgage and building a buffer. I have been unwell with one thing and another so not having 12k hanging around is some relief. I would love to jack work in but fear having to slide back into plastic NOT fantastic!
    :j Where there is a will there is a way - there is a way and I will find it :j
  • beanielou
    beanielou Posts: 96,132 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done you!
    Not long now.
    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.
  • Have just sat down & read your diary - how fantastic that you have cleared so much debt. What a weight from your shoulders that must be, encourages the rest of us.
  • Hi All :hello:
    have just written cheque for last payment of £67! at bit late but better late than never..... v sad today though as we have had a bereavement :cry: so the debt bit of this post is over I guess its now onto the AND THEN WHAT?!?!?! bit.... that bit is I guess?....
    saving some cash
    Paying down the mortgage
    having a baby

    Still working full time which isnt bad at the moment although the desire to work p/t is still there....

    thank you for all your help and encouragement
    :j Where there is a will there is a way - there is a way and I will find it :j
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Congratulations! :T :T Get and sign that debt free roll of honour!
    No longer using this account for new posts from 2013
  • Sorry to hear about your bereavement - and congratulations on your debt progress!

    Bet you are glad you didn't buy a house last June, that was looking impressively like the top of the market (-:

    If you can pay of £12k of debt in a year, you can save £10k a year and still have money to have fun with. That means that if you do decide to start a family etc, you'll be in a strong financial position.
    ...much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.
  • Thank you Gemmzie
    and thank you neverdespairgirl I am glad we didnt buy that house but strangley enough there is another one in the same area thats on the market for £325k saying that no one has bought it and they have in 5 months only reduced it by £5!!!

    yes the plan is to save some more money! and see what happens!!!
    :j Where there is a will there is a way - there is a way and I will find it :j
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