A Budgeteers Continued Quest to be Debt Free & Mortgage Free By 40

brizzledfw

DedicatedDFW wrote: »

Well it is less that the temptation was too much and more of a need to settle a busy brain. Debt has been paid off :T I have no money :rotfl::rotfl::rotfl: But, i don't owe anyone anything other than the mortgage December will be tight but i have a list of what needs paying for and a plan as to how that will happen

Blo@dy brilliant news!! :j:beer::beer: I am THRILLED:T

You go girl!

muppets

congrats on being debt free:j:T

DedicatedDFW

Chocforever wrote: »

You're debt free - congratulations :j:j:j

Very well done for sticking with MSE and getting debt free before the end of the year.

Hi Chocs - thank you After next week i'll be posting more regularly so hope you'll be around

DedicatedDFW

PositiveBalance wrote: »

:j :beer: :rotfl: :T :beer: :easter_ba :lovethoug:rudolf: :snow_laug :grouphug: :staradmin :lovethoug:dance:

Oh CONGRATULATIONS, Dedicated!

:j :beer: :rotfl: :T :beer: :easter_ba :lovethoug:rudolf: :snow_laug :grouphug: :staradmin :lovethoug:dance:

I literally could not be any happier for you! You have worked, studied, and slogged your way to debt freedom over a period of years and now you have DONE IT! :T

I'll be honest, I haven't understood a blummin' word of your financial plans for this month and next, but they have clearly made sense to you and now you have become DEBT FREE (woo hoo!), I know that your savings will shoot up, your house will get repaired and your mortgage will come down incredibly quickly...all while you treat yourself to something pretty and/or sparkly every now and again.

Well done, hon: have a small glass of something enjoyable tonight to celebrate your new debt-free status. You have truly earned it! :T :T :T

This :xmastree: is clearly going to be very merry. And rightly so - you've earned it! :rudolf:

Aw thanks PB I will PM you - i think i did before but i know you've had problems with comp - anywho's it may get to satday before i do as hopefully my brain will be my own by then :cool:

I'm not going to re-read my money posts - they could probably have been put alot simpler! :rotfl: I am debt free i have usual household bills coming up just as everyone does and the money will be in place to pay for them so there is no need for any overdraft to be used. I also have some december spending money :beer: and some money aside for a little meal treat If anything crops up due to december as knit witch rightly pointed out it is a tricky month for such things then i have decembers mortgage overpayment money which i will dip into but only if its absolutely necessary

I my have already treated myself to a pretty dress :whistle: Sensibly purchased off the bay of e and gratified my 'need for a treat and something pretty' Actually bought before being debt free so no impact from that - and it is lovely too

The celebratory drink will need to wait until friday or satday as i need to focus on my assignment and completing my excel course and exam first

*positive vibes* for the assignment please

DedicatedDFW

brizzledfw wrote: »

Blo@dy brilliant news!! :j:beer::beer: I am THRILLED:T

You go girl!

Thank you brizzle - it won't be long before i am cheering over the same news for you

DedicatedDFW

muppets wrote: »

congrats on being debt free:j:T

Thank you for popping in muppets - fab user name by the way and thank you for the congrats too

DedicatedDFW

Thank you all of you for your lovely words and also for all of the support and encouragement you have given to me - it really does mean alot

I will continue to post and may set up a new thread in mfw land so please continue to pop in and let me know how you all are and that i am not just rambling to myself :rotfl::rotfl:

I do hope you are all well x I will post a little more on saturday i think - and maybe pop in a bit before then too but for now i need to crack on with my assignment *positive vibes* for this please

I will continue to post on here for now and will let you all know if i start up a new thread

Sorry if i am all rambly - being debt free does feel good :j but the focus on the assignment has taken over xx

DedicatedDFW

Aarggghhh! This is the acceptance and realisation that I've written both way too much and not enough

I have decided on a change of emphasis and much editing :cool: that is if I can stop being sick again! I know I also need to throw the conclusion in bah!

DedicatedDFW

Hi All, I am popping in to try and quickly refresh my brain as the deadline is looming large for my assignment *positive vibes* please

PB identified some of my next goals in her post so i have incorporated them in my sig - pretty self explanatory the house desperately needs new gutters - i actually feel ill when it rains due to the damage. This is something that I will have to pay for - my Mr unfortunately only sees the need to spend on prettying things up - oh well! Anywho's i think it may be more like £600 but i can find that out when i've achieved the £500 The plan is to put my monthly 'house upkeep' money in there along with 25% of any extra money - so from carboots, bay of e etc. There is no overtime at work so no extra money to be made there. The loft fund is because that will need doing when another job on the landing is done (might be onto a theme here but this is also not something my mr understands) But with good loft access then the whole house will run alot better - it is a tiny house and storage is minimal. This will have the other 25% of the 'extra monies' paid in So with this one i'm just trying to get the money in place then i can get it done alongside the other job :cool: I don't see the point in paying to have the landing done and then messing it up when the loft is done later

Finally shed fund - again tiny house with stuff indoors that should be out house will look better, garden will be better for it. Since having my spending money i put all loose change less that £1 into this

Wow! less than 3 hours to the deadline :eek::eek::eek: and then my alarm will be going off a few hours later :eek:

Hope everyone is well xx

DedicatedDFW

Assignment submitted :T am shattered x pots washed x upstairs dusted hope everyone is well x