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Keeping up appearances.......
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So happy to hear about Miss Happy's recovery.
Fortune xhttps://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living0 -
Hope all is going well Happy.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Hi happy - just been reading your diary and have subscribed. Like you I have large debts and am working to bring them down - but without it looking obvious. I am also a YNAB convert and have watched all their tutorials.
I look forward to watching your progress.44 day challenge
1. Pay £650 off overdraft (£ 288/ £650)
2. Lose 12 lbs (4.5/ 12)
3. Use YNAB everyday (6/44)0 -
How you doing happy? XMFiT-T4 Member No. 96 - 2022 is my MF goal
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::T0 -
I hope things are going smoothly for you Happy, and that the reason you're not posting is because you're busy with lovely family things during the long academic summer break.Better is good enough.0
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Good morning. Apologies to anyone who had noticed I was missing and wondered what had happened. I got caught up in a very frantic few months. I do think a diary is a habit, and I just got out of the habit.
A very quick update to condense life since last July into three paragraphs!
Little Miss Happy is fully recovered. She is back at uni re-taking her final year and busily making plans for next year. I cannot tell you what a relief that is because there were times when we honestly wondered whether she would ever get better.
Granny Happy is still with us, which is amazing given the prognosis of late 2013! She is frail and not getting any better, but she is able to enjoy the simple pleasures in life - she has a warm, comfortable room in a lovely residential home, good food, lots of visitors, and keeps up with all her favourite TV soaps.
Financially I am plodding along, and the unsecured debt is now 29.5% repaid. Even while I've been absent from my diary I have logged in and updated my signature every single payday.
I'm still loving YNAB, and between that and my bank's mobile phone app I have the finances reasonably under control. Next month my overall debt including mortgage will drop below £100K! By May, I will have paid a full third off my unsecured debt, and I still aim to clear it by early 2019. That's provided we continue with our current lifestyle, which actually is a little too frugal. I do miss holidays, meals out, clothes, making improvements to the house etc, but I would not swap any of those things for the joy of securing our financial future, and life is generally pretty damn good!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 £22,3320 -
Lovely to hear from you Mrs H - and with such good news
Fortune xhttps://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living0 -
:wave: Lovely to hear from you Mrs Happy and with such positive news too! :j0
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Lovely to hear Little Miss Happy is recovered, and that Granny Happy is holding her own happily.
Congratulations on the numbers; I can understand how wearing it is not having the 'finer' things in life mainly because I dispensed with most of them years ago! Your numbers look really heartening.
You have been missed, so it's great to see you posting again.Better is good enough.0 -
Lovely to hear from you and to know that things have improved somewhat. Very happy for you. Here's hoping 2015 is a great year for you xTargets
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/p10
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