Back from the brink of disaster....now to pay off £160,400 interest only mortgage :-(

Thistlewhistle

:j:j:j:j:j:j

Kate, that's just amazing and I'm so happy for you right now. What a great feeling it must be to have got that out of the way.

We are not worthy to stand in your presence, oh great one!!!

:dance::dance::dance::dance::dance:

Cheapskate_Kate

Wow - thank you all so much for your kind words and support! It's great to tell you all as I would never ever be so candid in real life!

So lunch was fab because colleague paid to say thanks for some help I gave him with a project a couple of weeks ago. I did protest a little but he insisted so yay for me!

In the interest of 'sharing the love' I thought I'd post about a few money saving things I've discovered in the AD (after disaster) part of my life. I'm sure you all already know these things being the MFW money savvy experts but it feels right to post some of the discoveries I've made or read about and tried.

1. Some McDonalds will give you unlimited free refill on coffees - I think its the franchises....certainly around here it is. Oh and the McDonalds coffee is good - and way cheaper than Starbucks, Costa et al

2. Cut your dishwasher tablets in half. I use Aldi tablets which are cheap as anyways but doing this means a box goes twice as far. There has been no difference in how clean my pots come out. Ditto washing powder - use half as much as the box says.

3. Having had a problem with a download for my kindle i phoned amazon and during the conversation discovered that you can return any downloaded book within 7 days - no questions asked. So this means I've read loads of books for free!!! You just have to make sure you have the time to read them within the 7 days.

Little things but they made me

gallygirl

Cheapskate_Kate wrote: »

3. Having had a problem with a download for my kindle i phoned amazon and during the conversation discovered that you can return any downloaded book within 7 days - no questions asked. So this means I've read loads of books for free!!! You just have to make sure you have the time to read them within the 7 days.

REALLY??????????? I had no idea :j:j:j:j:j:j

Congrats on your achievement, and :T to colleague buying lunch . I hope you are suitably proud of yourself.

iquit

I just had to post because your thread is so inspirational. Looking forward to reading more of your entries as you journey towards MF life. All the best.

Pennypincher2

Hello

Gosh you are fab and your diary is lovely.
a) didn't know about Kindle thingy (not very good with mine and read it with head torch on - old fashioned stylee tis a hit with the boyfriend)
b) need to join Costco - put on list....

x

Secret_Saving_Squirrel

Congratulations. That is a real achievement and I bet it feels great!

CathT

Congratulations on getting debt free. I don't count my student loan either and try to ignore the amount that gets taken out of my wages!!

We have NT membership - thoroughly recommend it!

black_taxi_2

just read thru thread awesome--single 4 kids,now debt free

very best on mortgage free journey

LauraJo

Congrats! I love the dishwasher tablet tip - gonna use that, thanks

Sazzie23

Cheapskate_Kate wrote: »

So I couldn't wait any longer and today have paid off £433.29 to the last creditor.

So am officially debt free (with the exception of the whopper of a mortgage)...............oh and a student loan but they don't count today.;)
.

Hi Kate

Truly inspirational story and well done for getting debt free.

I have recently entered a DMP when my life hit crisis points and with huge debts of over £30,000 :mad: and I'm now paying about half of the previous monthly payments. I joined MSE forums on the No Spend Days challenges which have helped enormously to change what I spend and how I think about spending.
Like you I have an interest free portion to my mortgage, unfortunately mine is due to be paid in Aug 2013 ..and I don't have the money..:eek::eek: but that's my next challenge.

Keep up with the diary - there are forums called 'pay one extra payment' and ' pay off one debt' if you think the support would help its worth a go, and its free :rotfl: