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

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Comments

  • Thanks Nicnak :). I have worked hard on this assignment but it's covering two big topics, health and safety in schools and child development. It should be two separate assignments really.
    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
  • Thanks Nicnak :). I have worked hard on this assignment but it's covering two big topics, health and safety in schools and child development. It should be two separate assignments really.

    I agree, HHOD. It does sound as if it should be 2 assignments not just the one:eek:.


    You're very conscientious and I know you'll get yours done:A but I expect some on the course will be struggling to submit in time, what with all the nasty lurgies that people everywhere seem to have been catching, plus the hectic run up to Christmas with all that involves time-wise. Well done for how much you've achieved so far:beer:


    Wishing you a great day. The sun is struggling to appear here today (it's been so long since I saw it I've almost forgotten what it looks like:rotfl:) and for the first morning in ages I haven't had to scrape the car windscreens before going out first thing:j. I hope the sun shines on you and your little charges this lunchtime:beer:
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the assignment, that's impressive!
    "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
  • EssexHebridean
    EssexHebridean Posts: 24,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great work on the assignment - definitely getting there now!
    🎉 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
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • :money:
    I agree, HHOD. It does sound as if it should be 2 assignments not just the one:eek:.


    You're very conscientious and I know you'll get yours done:A but I expect some on the course will be struggling to submit in time, what with all the nasty lurgies that people everywhere seem to have been catching, plus the hectic run up to Christmas with all that involves time-wise. Well done for how much you've achieved so far:beer:


    Wishing you a great day. The sun is struggling to appear here today (it's been so long since I saw it I've almost forgotten what it looks like:rotfl:) and for the first morning in ages I haven't had to scrape the car windscreens before going out first thing:j. I hope the sun shines on you and your little charges this lunchtime:beer:
    Thanks FS :). I found out today that a few people from my level two course still haven't finished the course :eek:.
    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
  • jwil wrote: »
    Well done on the assignment, that's impressive!
    Great work on the assignment - definitely getting there now!

    Thank you both :).
    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 5 December 2019 at 6:49PM
    I've had a busy but successful day today :D.

    First of all my tutor visited me at school this morning to do my first observation for the level three course :eek:. It seemed to go well and my teacher said some really nice things about me to my tutor including that if the school had the budget they would employ me :D. So it's good to get that out of the way as it's always a bit stressful being observed and I had an anxiety dream about it last night :o.

    Lunchtime went well and was dry. Then when I got home I finished my assignment and emailed it to my tutor :T. It was 11,077 words in the end, which doesn't include a two page bibliography :eek:.

    I'm so pleased to get observation out of the way and my assignment finished that I feel a bit shell shocked now with tiredness and relief. Tomorrow will be a walk in the park compared to today :rotfl:.

    However I won't relax for too long as next week I need to start on my third assignment which is on Safeguarding. My plan is to finish it in the two weeks before I break up as which should be doable as I have more free time now I'm not doing the cover and then I'll have the Christmas holiday to do my fourth assignment. That way I'll feel like I'm really making some headway with this new course.

    The house is a complete tip but I don't care because my priority is work, volunteering and my course. I can clean up the house in the holidays.

    Our weather was weird today as there was a sort of pink mist first thing, but it brightened up later so that the children (and us) could have fun in the playground.

    I hope everyone has had a good Thursday :).
    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: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the observation & the assignment :)
    Well done!
    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.
  • Wow, two huge things in one day. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • milann
    milann Posts: 11,489 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Well done with your observation- bet it was encouraging to hear the teachers words - especially employing you if they had the money. Who knows - maybe the fairytales all the politicians are throwing around about more cash for schools might just happen and they can employ you....but I’ll believe it when I see it.

    I’m desperately trying to get sorted in case I go back to work on Wednesday. We break up on 20th but dh will be at home and I find it tricky doing things with him around - he distracts me :rotfl: then we’re heading to dds...so I need to shape myself or I’ll be on the night shifts:eek:
    January spends - £587.58
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