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

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Comments

  • I have been decluttering as I have been packing, but there is still more to do when I unpack. I am determined to try and get rid of anything that I don't need.

    You inspire me to keep going. The premium bond buying carries on, I enjoy watching my stash grow.

    I am so pleased you are surrounding yourself with some of your mums things as well.

    When are the DS due home ?
    Life is an adventure, never stop exploring.

  • Great that the pictures are on the wall now. I know what you mean about selling stuff but valuing getting stuff out of your home more. Exactly how I feel. Your mum's things are shrinking down at your own pace so well done.
    Thanks DIA :). It does make me feel better to get clutter out of the house and display things that I like.
    I have been decluttering as I have been packing, but there is still more to do when I unpack. I am determined to try and get rid of anything that I don't need.

    You inspire me to keep going. The premium bond buying carries on, I enjoy watching my stash grow.

    I am so pleased you are surrounding yourself with some of your mums things as well.

    When are the DS due home ?

    Thanks Sunshine :). It does feel comforting to have some of my Mum's things on display and I know she would be very pleased that I've kept them.

    Good luck with your own de-cluttering, moving is such a great opportunity to de-clutter as if forces you to look at everything you own.

    I'm glad your premium bond stash is growing too. Even if we don't win very often at least we know the money is safe :).

    The DSs are coming home on Saturday evening. I'm looking forward to it but DS3 will go back to uni soon so I'm dreading that :(.
    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: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I only wish that I had half your energy!
    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.
  • It's true that I do have a lot of energy Beanie, but sometimes I wish I was better at relaxing.
    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: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I am not good on either fronts :(
    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.
  • It's true that I do have a lot of energy Beanie, but sometimes I wish I was better at relaxing.

    I never have any problem relaxing !!!:rotfl:

    Walked half way up our short road today, to knock on a friend's door, say hello, have a brief chat, and cross her off my list of places I can walk to on my own. It really is baby-steps - however it was a lovely warm day.

    I know what you mean about stuff you COULD sell, but somehow never get round to it. I think potentially valuable but unwanted belongings just sit and suck the life out of you, making you feel guilty on 2 fronts; that they are essentially junk squatting in your house, and that you're missing out on their value. Much better to bite the bullet and give them away - someone will be much happier as a result of your decision, and you won't be reminded every time you look at them of a previous past decision and your own inability to deal with them.
    How wonderful to have space in the void to relocate stuff from elsewhere.
  • Willowtree222
    Willowtree222 Posts: 8,286 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That's amazing. You are making so much progress and it will hopefully keep you going now you can see the progress you have made.

    I love reading your declutter updates. Did you do before and after photos? It might show you the progress as well. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou
    beanielou Posts: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy Friday /)
    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.
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I never have any problem relaxing !!!:rotfl:

    Walked half way up our short road today, to knock on a friend's door, say hello, have a brief chat, and cross her off my list of places I can walk to on my own. It really is baby-steps - however it was a lovely warm day.

    I know what you mean about stuff you COULD sell, but somehow never get round to it. I think potentially valuable but unwanted belongings just sit and suck the life out of you, making you feel guilty on 2 fronts; that they are essentially junk squatting in your house, and that you're missing out on their value. Much better to bite the bullet and give them away - someone will be much happier as a result of your decision, and you won't be reminded every time you look at them of a previous past decision and your own inability to deal with them.
    How wonderful to have space in the void to relocate stuff from elsewhere.
    I totally agree with this and it was my breakthrough in getting stuff out of the house. I've learnt not to beat myself up if I can't let something go I just wait and it usually goes in the next declutter.

    Well done in being so active after your op Elizabeth.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Nicnak wrote: »
    That's amazing. You are making so much progress and it will hopefully keep you going now you can see the progress you have made.

    I love reading your declutter updates. Did you do before and after photos? It might show you the progress as well. x

    Thanks Nicnak :). I do feel motivated because I know once the term starts I'll only have weekends to do stuff.
    beanielou wrote: »
    Happy Friday /)

    Thanks Beanie :).
    I totally agree with this and it was my breakthrough in getting stuff out of the house. I've learnt not to beat myself up if I can't let something go I just wait and it usually goes in the next declutter.

    Well done in being so active after your op Elizabeth.

    Thanks DIA :). I know I'll never get around to listing and selling things. Anyway this is my way of giving to charity as I don't give any money to charities. Giving a more valuable item will benefit the charity more and I usually give my clutter to my local hospice shop which is a very good cause.
    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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