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

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Comments

  • Thanks beanie :).

    Well the berry lights are up in the living room and look lovely. Every year one bulb has gone, this time it was the sixth one I tested :mad: but I got there in the end :D.

    I've done 13,020 steps already today :j. My Fitbit told me I was an over achiever :rotfl:. I knew I'd been up and down that ladder a lot of times!

    I did over 10,000 steps yesterday and the day before too, hopefully it'll help me to shift the weight I put on over the autumn :).

    I'm going to relax now and put my feet up as it's DH's turn to cook :).

    Tomorrow DH is going to assemble the tree and put the lights on it and I'll decorate it. The DC are too lazy to help :mad:. I also need to do lots of housework tomorrow as the place is a tip.
    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
  • Sun_Addict wrote: »
    I got a lovely wreath from Homesense for £8. Sounds like you've had a busy and productive day day. Well done with the bargains and decorations.

    That sounds like a bargain SA. Are all your decorations up ?
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi Hairy. Just catching up on your diary. Quite an eventful week!

    Can only echo other posters on your son’s trip - you’re right you never stop worrying about your children but he seems to have gone into things thoroughly though must be on his toes re any business deal. I went to New Orleans for a couple of days a few years ago - stayed in the French Quarter which is the touristy bit I’m assuming he is staying. It’s lively but I didn’t feel unsafe in the French Quarter There is a bit of a police presence there too which is reassuring.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • That's good to know SSG. It is a bit worrying but it will be a great adventure for him. We gathered that the French Quarter is the safest place, so yes that is where he's staying.

    We're going to give him lots of advice and DH's sister has been to America lots of times (she even lived there for a while), so I know she will give him lots of advice too.

    But I will be relieved to have him home again :o.
    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
  • Today is going to be a busy day putting up the rest of the Christmas decorations :xmastree:.

    I've decorated and put lights on the mini tree which is now installed in the kitchen. DH is cleaning the skirting boards and wants to glue some peeling wallpaper behind where the big tree is to go. Then he can assemble the big tree and put lights on it. Our big tree was a Mr T bargain from a few years ago, it was £15 and we bought it with our vouchers so essentially it was free :money:.

    After that the decorations will be done and I can concentrate on housework. I feel quite tired today so I'm not going to overdo it. I did over15,000 steps yesterday :j.
    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
  • I've just realised that we have been debt free for just over a month now :T. So much has happened since that's it's easy to forget :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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    I've just realised that we have been debt free for just over a month now :T. So much has happened since that's it's easy to forget :D.

    It's been a quick month xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • It seems like ages to me since we became debt free. But since then we've been to London to visit BIL with cancer, been to a wedding in the Midlands, helped DS2 sort out his America trip, helped DS3 do his UCAS form and started the Christmas prep :eek:.

    This is in addition to all the things we normally do like work and houswork, no wonder we feel tired :o.
    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
    edited 3 December 2017 at 5:26PM
    It'll be a miracle if the big tree goes up today because DH has spent all afternoon cleaning off mould, painting the skirting board and fixing peeling wallpaper behind the armchair :rotfl:.

    We've decided to put the tree somewhere else now :rotfl:. It does look nice and it's good to get rid of the mould, as long as he does the bits people can see too. And I want the big tree to go up as well!

    I had to have a nap for an hour earlier I was so tired :( but I feel better now. The decorations look lovely and now over the next few weekends I can focus on present buying and wrapping, writing and posting cards and vouchers, and buying Christmas food :xmassmile (once the big tree is up :mad:).

    I've bought a few bits of food already with my Mr T vouchers. I've got some half price Matchmakers and chocolate santas for DH and the DC, and some bogof mince pies. I'd like to get a bottle of Prosecco for Christmas eve and some mini alcohol gift bottles to give as presents, so I'll tske care of those when I do my big food shop :rudolf:.
    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!
    Time flies indeed :)
    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.
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