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Free By Fifty

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  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    Today's list

    1. Get up
    2. Go to work smiley-gen058.gif
    3. Dodge doing anything smiley-sleep001.gif
    4. Do much housework smiley-chores007.gif
    5. Maybe run/maybe not smiley-sport015.gif
    6. Spreadsheet smiley-think005.gif
    7. Go to bedsmiley-sleep012.gif
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • No 1 is a struggle for me at the minute.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    Have you tried setting yourself a challenge to get rid of your debts before you reach fifty? Take the total amount you owe, divide by the number of months between now and your fiftieth birthday, that will tell you how much you need to pay off every month. Then use every bit of ingenuity you can to try and pay off more each month. Is that doable?
    One life - your life - live it!
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hello Freeby,

    A day off is good now and again but great to see you again today with another list.

    I think it's huge that a week or so ago you felt so lost and now you're feeling back in control already. It's lovely to read that.
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    Have you tried setting yourself a challenge to get rid of your debts before you reach fifty? Take the total amount you owe, divide by the number of months between now and your fiftieth birthday, that will tell you how much you need to pay off every month. Then use every bit of ingenuity you can to try and pay off more each month. Is that doable?

    This has give me something to think about....................I like this idea. I will come back to this.........

    *goes off scratching head and pondering*
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    I am such a numpty.

    A complete and utter numpty.

    Yesterday a stone flew up and chipped my windscreen, my car insurance covered it and they came out today to fix it. I was chatting away with the bloke and he said something about it still passing the MOT..............

    MOT, I thought.......MOT.........
    EMMMMMMMMMMM OHHHHHHHHH TEEEEEEEEEE

    Good Grief. I've only gorn and forgotten about the MOT. It ran out on the 3rd of JULY!!!!!!!!!! I've been riding around like an illegal driver ....the complete and utter horror smiley-shocked003.gifsmiley-shocked003.gif
    Emergency phone call to my garage and he can fit me in on Monday.

    So the upshot of all this is.....I have paid £10 excess to get my windscreen fixed and I have my car booked in for Monday (gawd knows how much that will cost). But because I can't drive and I travel around 20 miles to get to work, I've had to book a long weekend off work.....................
    .....every cloud 'n' all that..smiley-happy032.gif
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I think we've all done that before Freeby! At least once you were aware again you did the right thing. Good luck with your long weekend and the MOT on Monday.

    What will you do with this sudden work freedom?
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    MuffinTops wrote: »
    I think we've all done that before Freeby! At least once you were aware again you did the right thing. Good luck with your long weekend and the MOT on Monday.

    What will you do with this sudden work freedom?

    Thanks Muffy, but I feel like such a villain :eek::eek:

    Today I am going to see if I am brave enough to carry out Nargle's genius idea.:money:
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    No sense in saying you want to be debt free by fifty if you don't work out a plan to achieve it!
    One life - your life - live it!
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi Freeby

    Thank you for posting about the MOT disaster... you've helped me avoid doing the same thing as I went to check mine and found it was three weeks sooner than I thought :eek:!


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
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