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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    You'll be starting 2019 with the same level of debt but you'll have paid for a trip to Australia without increasing your debt :T. Enjoy your Sunday.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • glass_half_full
    glass_half_full Posts: 579 Forumite
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    Hi Cumbria,

    Thats an impressive achievement to pay for your holiday and not have increased your debt. Hope you have a fantastic time, you deserve it. :beer:
    Aiming to early retire in April 2025 - DC pension currently £350k 
  • beanielou
    beanielou Posts: 90,406 Ambassador
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    HairyHandofDartmoor wrote: »
    You'll be starting 2019 with the same level of debt but you'll have paid for a trip to Australia without increasing your debt :T. Enjoy your Sunday.

    This.Just this.
    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.
  • Seasidegal58
    Seasidegal58 Posts: 5,677 Forumite
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    I think you should give yourself a well deserved pat on the back! You've done everything right. Paid for a lovely long holiday with no debt, have the all important emergency fund and ready cash for insurances and Xmas plus spare to enjoy yourself.

    I think 2019 will work out very well for you in paying off your remaining debt.

    Go Cumbria!:j
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Sun_Addict
    Sun_Addict Posts: 21,360 Forumite
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    You've done fantastically well :)

    A very well deserved holiday indeed :)
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • Scott_Chegg
    Scott_Chegg Posts: 34 Forumite
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    well done on paying for your holiday without increasing your debt pile
  • System
    System Posts: 178,096 Community Admin
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    Thank you for all your words of encouragement, much appreciated.
  • System
    System Posts: 178,096 Community Admin
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    I need to knuckle down this week and get the Christmas cards sorted and written. Then next the Xmas presents . After that is the Australia bit.

    Today was a NSD , and I left work fairly early for me , so just getting the cards out ready to start writing. This weekend is one of my favourite weekends in the year, it's the day of my friends and I visiting the Manchester Christmas markets. Love the atmosphere, usually don't buy much as to be honest it's quite expensive. We always have a meal , last year I ended up with dough ball belly so will definitely be careful what I eat. .

    Oh well best get on with the cards.
  • System
    System Posts: 178,096 Community Admin
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    Very productive two hours , 95% of cards done, just some addresses to put on the ones that need posting. Been messaging DSIL about some days out, beyond excited .

    Bed time now .
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    You've been very productive :T
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
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