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The Final Countdown...

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Comments

  • There_Is_a_Light
    There_Is_a_Light Posts: 574 Forumite
    Ninth Anniversary Combo Breaker
    Congratulations Black Cat. I am also close to being Debt free and am inspired by your organisation and determination. I hope that you stick around your diary as I intend to continue mine once I am DF with a focus on savings and mortgage overpayments.
    "These things take time but I know that I'm the most inept that ever stepped"
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    Thanks "Light!"
    I'm looking forward to the new year. Paying for Christmas won't be a problem but I won't really be saving until December's salary (after Christmas). Checking out your diary...
  • beanielou
    beanielou Posts: 96,849 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Remember to post on the Debt Free thread :)

    https://forums.moneysavingexpert.com/discussion/comment/69518104#Comment_69518104
    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.
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    I have and I love my medal!!! :)
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    I really want to get all my Christmas spending out of the way but OH's family tend to send lists around and it's a bit early for that (although we've now asked what the children might want). The system works quite well - we usually buy one thing from the list and then an extra surprise gift. We're going away for Christmas so won't be buying any special food (unless it's reduced!), but have put money aside for the cattery.

    OH has been given some unexpected work so there are no money worries.

    Once I've paid for Christmas I'll feel that we can really start filling up the savings pots :)
  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    It's going to be a happy, debt free Christmas this year. :j
    Not giving up
    Working hard to pay off my debt
    Time to take back control
    https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=1
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    Bought first Christmas presents today for two lovely nieces - one from Amazon, the other to be picked up from a huge toy store that I don't usually visit... I have two large festive bags ready and I'll top up their presents with bits and pieces paid for with my Nectar points. Total for both girls will be under budget but I know they'll be pleased :)
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    OH has earned more so far this month than expected so I've been able to squirrel some cash away. We lost a couple of slates in the storm last night, so that's a few hundred pounds that I'd rather be saving... Every so often I remember that all our money is ours now (apart from the mortgage) - and it feels so good! :D
  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    I can't wait to get that feeling. With dh off work at the moment, every penny is still very precious as we are about £600 a month down for now. Not ideal with Christmas coming up.
    Pleased that you have the cash though, so if roof needs repair it won't be such a massive stress.
    Not giving up
    Working hard to pay off my debt
    Time to take back control
    https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=1
  • black_cat
    black_cat Posts: 703 Forumite
    Debt-free and Proud!
    You'll get there CCL!
    I must admit, I'm really looking forward to January when all the extra Christmas expenses have been paid off. I love New Year and the fresh start feeling and I always look forward to a new spreadsheet!
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