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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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I've got the thirteen bags of books for the charity shop on the landing at the moment and I wanted to put them in DS3's room. So I decided I'd better pick up all his rubbish and give his floor a sweep first. I haven't touched his room since he went to uni after Christmas, apart from taking out all the plates, cutlery and mugs. Anway I half filled a bin liner with rubbish from his floor and discovered a dusty sock and our bottle opener among the rubbish 🤣. When I swept it I found two sticky stains where he must have spilt a drink and not cleaned it up 😱. It's lucky he has a laminate floor! So I had to get out the floor cleaning fluid to get that off. How does he manage to be so messy? 🙄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 MONTHS3 -
I tidy DD's room and seconds later it's back to how it was. An absolute mess! XSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x4 -
HairyHandofDartmoor said:abba1772 said:thats a lot of books for the charity shop.......I keep thinking if the charity shops are going to get overwhelmed with all the donations as everyone is decluttering (including me) it'll be some surge in their stock after this is all over xxNicnak said:I think they might be overwhelmed too. I know a lot of people who have a boot full of things ready to donate. I am just glad that I did mine before the lockdown otherwise I would have a lot of things too!
x
We tend to donate big items on Freecycle but even then where we live is pretty isolated and potential recipients don't always want to come out this far even to collect things which are well worth having and are totally free to them apart from their petrol to get here.4 -
HairyHandofDartmoor said:I've got the thirteen bags of books for the charity shop on the landing at the moment and I wanted to put them in DS3's room. So I decided I'd better pick up all his rubbish and give his floor a sweep first. I haven't touched his room since he went to uni after Christmas, apart from taking out all the plates, cutlery and mugs. Anway I half filled a bin liner with rubbish from his floor and discovered a dusty sock and our bottle opener among the rubbish 🤣. When I swept it I found two sticky stains where he must have spilt a drink and not cleaned it up 😱. It's lucky he has a laminate floor! So I had to get out the floor cleaning fluid to get that off. How does he manage to be so messy? 🙄4
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Nicnak said:I tidy DD's room and seconds later it's back to how it was. An absolute mess! XDelichon said:HairyHandofDartmoor said:I've got the thirteen bags of books for the charity shop on the landing at the moment and I wanted to put them in DS3's room. So I decided I'd better pick up all his rubbish and give his floor a sweep first. I haven't touched his room since he went to uni after Christmas, apart from taking out all the plates, cutlery and mugs. Anway I half filled a bin liner with rubbish from his floor and discovered a dusty sock and our bottle opener among the rubbish 🤣. When I swept it I found two sticky stains where he must have spilt a drink and not cleaned it up 😱. It's lucky he has a laminate floor! So I had to get out the floor cleaning fluid to get that off. How does he manage to be so messy? 🙄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 MONTHS5 -
Nicnak said:I tidy DD's room and seconds later it's back to how it was. An absolute mess! X3
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It's really warm outside in my garden, twenty degrees according to the forecast ☀️. They say it's going to be warm again tomorrow and then get back to more normal spring temperatures on Sunday. My washing should dry quickly, but I think I'll leave the gardening until Sunday when it's cooled down. I've got a jeans wash drying on one clothes horse and bedding drying on the other 🙂.
I've unpacked a cardboard box of my mum's books that were on the landing and have found a home for them and my bags of books for the charity shop are in DS3's room now 📚. The landing is looking a lot tidier now. I've also done some things that have been hanging around for ages, like packing away the christmas tablecloth that I keep in with the christmas decorations, tidying up my bedroom a bit and hanging up one of my mum's paintings in DS1's room. So a few niggly things sorted and the house is looking a bit tidier now 🙂. Once the washing is dry I'm going to put clean bedding on DS3's bed so it's nice for him when he eventually comes home.
There's lots more that can be done but I'm feeling a bit tired now, so I'm sitting down for a bit before I decide what to do next. I must make sure I water all the garden pots this evening as it's such a warm day.
I hope everyone is having a good and safe 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 MONTHS4 -
Your book cull is seriously impressive.
Its lovely to be able to wash and have clothes dry outside isn't it?
Nice to have one of your mum's paintings up tooIf 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) 25/0720254 -
doingitanyway said:Your book cull is seriously impressive.
Its lovely to be able to wash and have clothes dry outside isn't it?
Nice to have one of your mum's paintings up tooFinally 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 MONTHS3 -
LOL much as you'd love to have him home HH it's quite handy DS3 not being there at the moment isn't it! Out of sight is a good place for CS bags!
Also loving being able to get clothes dried outside - the airer isn't even up at the moment as we have one of those wooden racks outside and are managing to get pretty much a full load at a time on it. When I change the bedding at the weekend it will be outside-dried stuff going on and I'm really looking forward to it! Ridiculous, but it really is the small things, sometimes!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5
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