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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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Comments

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    please-let-me-be-lucky wrote: »
    Parent goals reached right there Hairy :T
    beanielou wrote: »
    Yes, indeed :D
    Sun_Addict wrote: »
    When I was young my friends loved my mum and wished their mums were more like her. She was pretty cool though :)

    So feel proud DSs friend thinks that about you and DH.

    Hope you get your saunter tomorrow xx

    Thanks all of you :).

    It is sweet that DS1's friend likes us but we're not quite sure why because we're definitely not cool :rotfl:. We just accept him for who he is and are polite and friendly to him.
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I had my final tutorial this morning, so I was in town by 9am, dropped a rucksack full of books at the charity shop and then went to college. Only three students made it for various reasons. I enjoyed chatting to the tutor for ten minutes before the others arrived as she's really nice. When I got home she'd marked all my work and I'm 95% finished on the course now . I tweaked my final assignment this afternoon so that's all ready to email to her on Sunday. So I've finished my Level 2 once my tutor has marked the final assignment :T. I've got a form for the Level 3 from her so I just need to get my head teacher to sign it. I can't wait to get started on the next course :).

    This afternoon I did two loads of laundry and ironed five tee shirts to pack. It was cooler than yesterday thank goodness.

    Then this evening I met a friend at our local pub for a catch up. I drank a pint of diet coke and chatted to her for thee hours which was really nice, then we walked home.

    So overall a good day :).
    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
  • beanielou
    beanielou Posts: 96,586 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done on the level 2.
    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.
  • jwil
    jwil Posts: 22,403 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on completing level two :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    This is great news well done on completing the course!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Well done on the level 2.
    jwil wrote: »
    Well done on completing level two :T
    earthgirl wrote: »
    This is great news well done on completing the course!

    Thanks all of you :D.
    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
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Well done on completing the course. I’m guessing you’ll have to wait until September for the head to sign the forms for level 3 which seems a pity as you could get started on them but I suppose you need to be in school for the experience.
    I had a 2nd job for a few years in the school holidays and an odd evening straight from school supporting families by having the children a couple of hours either in the home or going out. It wasn’t like work and was very flexible. The pay was a bit rubbish but it all helped and stopped me getting grouchy in the holidays. Then I stopped when my gks arrived so I could visit them more regularly - do they have anything in your area you could do an odd session for.
    January spends - £587.58
  • beanielou
    beanielou Posts: 96,586 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good idea from Milann.
    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.
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi HHD :) Excellent news that you're all but there with your Level 2. Onwards and upwards now. :j

    We're definitely not cool either but I think sometimes the thing that stands out is we actually listen, show an interest and talk about things with ours. We're not afraid to say No either. One of my DD's friends said she like me because I had a disapproving look when they'd done something I wasn't happy with, which made me laugh.

    Have a lovely evening. xx
  • Sun_Addict
    Sun_Addict Posts: 24,358 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news about the level 2 - another one under your belt :j

    Glad you had a good catch up with your friend xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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