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

edited 18 November 2017 at 10:49AM in Debt Free Diaries
15.1K replies 886.6K views
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  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Thanks SG. I'll definitely look for them. Have a geat 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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    DH and I have decided that next Monday is the day that he will ring the final creditor to try and negotiate a deal. I already feel impatient for Monday to arrive :). That will be six working days since it was posted. I suspect if we waited for them to get back to us it would take about six weeks:(.

    It's frustrating because you don't get to talk to the decision maker :mad:. The person DH has been speaking to can only pass on information to her manager. So we'll make an offer and she'll ring us the next day with an answer. It creates a lot of delay and frustration for us, particularly if you're not there when they ring back :mad:.

    Today is my big weekly shop, but first a walk and some work to be done. Have a good Wednesday everyone.
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • EssexHebrideanEssexHebridean Forumite
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    I tried value tea bags ages ago and decided that they were a no for us. Other value items that got tried and rejected were coffee (MrEH sticks resolutely to his Nescafe but we only ever buy on offer) and Washing Up Liquid - the liquidised fairies all the way for me, thanks! (And again only ever got on offer!) Also not a fan of value loo paper and not convinced it works out any cheaper anyway as you have to use SOOOOO much! :rotfl:

    I'd say "hurry up monday" but there is a weekend in the way there before I can do that - I'm allergic to wishing weekends away! :D
    MORTGAGE FREE 30/09/2016 :D
    SOA CALCULATOR (for DFW newbies): SOA Calculator
  • jwiljwil Forumite
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    That's so frustrating about not been able to speak to the decision maker :mad:

    Hope you manage to stay in budget with the food shop!
    "If you can dream it, you can do it". Walt Disney
  • beanieloubeanielou Forumite
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    When my DS was at college he seemed to miss the bus an auful lot :rotfl:

    Hope negotiations go well.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    I tried value tea bags ages ago and decided that they were a no for us. Other value items that got tried and rejected were coffee (MrEH sticks resolutely to his Nescafe but we only ever buy on offer) and Washing Up Liquid - the liquidised fairies all the way for me, thanks! (And again only ever got on offer!) Also not a fan of value loo paper and not convinced it works out any cheaper anyway as you have to use SOOOOO much! :rotfl:

    I'd say "hurry up monday" but there is a weekend in the way there before I can do that - I'm allergic to wishing weekends away! :D

    Well I have to agree with you that value coffee is pants :rotfl: Like you DH will only drink Necafe and I also buy it when it's on offer.

    However value washing up liquid and loo roll works for me. We get through nearly 6 rolls a day of the value toilet roll :eek: I'm not kidding!

    I tried spending the same amount of money and getting better quality loo roll and we ran out halfway through the week :eek:. I wouldn't believe it if it wasn't happening in my house :rotfl:
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    jwil wrote: »
    That's so frustrating about not been able to speak to the decision maker :mad:

    Hope you manage to stay in budget with the food shop!

    I spent £76 on food so only £2 above target, although I put a couple of things back at the till :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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    beanielou wrote: »
    When my DS was at college he seemed to miss the bus an auful lot :rotfl:

    Hope negotiations go well.

    Thanks :)

    Dreadful aren't they! They find it so difficult to drag themselves out of bed at their age. I wish I could lie in but I always wake up early early even when I don't have to :mad:
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    I'm pleased with my grocery shop as it came to £76, only £2 over budget :T

    I did have some additional spends though as it's DS3's birthday on Friday. He will be 20 so no longer a teenager :eek: We've already clubbed together with my parents and got him a new mobile, as his old one had broken. So I got him some Tesco jeans (he's very short of clothes), a bottle of fancy beer and a birthday cake, which came to around £24 :mad:. Still, it's only once a year luckily (for him anyway!)

    The vat return has been submitted and paid (early) and I did a survey on PA and earnt £4. Although it was very hard and made my head hurt :rotfl: I think I'm getting stupider as I age :o

    Have a good evening everyone.
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • DebtFreeDuoDebtFreeDuo Forumite
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    Well done with your food budget! It sounds like you have had a productive day today. I joined PA today, heard lots of good things so I'm hoping I get some surveys through soon.
    Change the way you see things and the things you see will change
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