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New Journey
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Have a good day with your friends tomorrow Cumbria
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 MONTHS0 -
Have a good day tomorrow.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.0 -
What a gorgeous day, Traffice great going, grim coming back! Spent £33 on Sunday lunch 3 courses really nice. That came out of spends. It was for two of us!
Good to catch up with friends .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Always great to catch up with friends 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.0 -
Have a dayof today.
I hope to
Do shopping
Ironing.
Collect parcel from TC
Photocopy passport for ppi claim form and send back
Transfer money to pay dentist bill
Go to dentist
Put DGS car seat back in car as had to take it out for extra passengers.
Get car valeted.
Find birthday card needed for Friday.
Try and finish Christmas shopping in TC if I get there.
Laundry
Get petrol.
Some of these are essential, others can go on list for weekend.
It was very cold last night .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
It was cold, a little taste of what’s to come. I always forget how cold it can get.
Enjoy your Monday - it sounds busy!0 -
Cumbria_lass wrote: »Seaside gal I confess to loving my little treats of weekends away and before they would go on a credit card. Now they are paid for with real money ! Obviously there have been far fewer in the last 12 months. .
I agree with you whole-heartedly. That was one of the best feelings of being debt-free. I may still put things on the credi cards for convenience and Cashback, but at least there’s no continuing debt on them and everything’s paid off monthly.
Glad you enjoyed your weekend. Have a good day today.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Have a good day.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.0 -
The list has been achieved apart from photocopying the passport , that will be tomorrow at work. Will put PPI in post then.
I can't believe how much I have actually done today , just having a sit down before dentist at 5 . For once I am looking forward to sitting in the chair just for the rest.
Today has been spendy so will come back later to account for money.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Brrr yes chilly down here last night too - in fact not warmed up that much all day. First day it's really felt as though winter might be on the way!
Hope the dentist was ok!
we're people who like regular weekends away too and you're dead right about the best bit about being DF being that you can do them guilt-free and pay for with real money too!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0
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