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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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HH we've been mostly going out for a walk first thing as well - trying to be out for 8am means we can grab best part of an hours walk before I need to be back to start working, and it feels like a good start to the day. I usually try to get at least a short walk in most days before I go to the office in"normal life" as well so this is just having the opportunity to extend that, really.🎉 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/her4 -
Your walk sounds lovely HHOD. Glad you are keeping well xx
Mummytogirls x5 -
Your walk sounded lovely - hope dh goes with you tomorrow.I had a lazy morning again which has turned into a lazy sitting knitting type of day - watching tv and listening to the radio. I haven’t ventured out for a walk at all....I really must do better.January spends - £587.584
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Saw your photos of your walk, it looked really lovely. I do hope DH goes with you tomorrow as well.It does definitely make you feel better getting outside.Doing your assignments in two mornings sounds like a good plan. How is DS3 getting on ?Life is an adventure, never stop exploring.5
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Getting the assignments over and done with will give you a mental boost. As you say they're an important tool in your career scheme of things.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Walk looked lovely
That was a heavy rucksack.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.4 -
Thanks everyone
. I do think the morning walk made me feel better and so did the second walk to the shop, as I felt much more settled this afternoon.
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 -
My sister is worried about her husband as he's been having some symptoms, had an x-ray and has a shadow on his breast
. I feel worried too as she'd be devastated if she lost him
. I hope that it's nothing to worry about. Obviously we're worried about the possibility of the big C word, but I hope it could be caused by something else. He's got some of the symptoms of pneumonia.
Anyway he's going to have a scan so I need to try not to think about it until then, as it's all speculation.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 -
Hope it turns out ok HH. He’s in the best place to get checked out and treated. Fingers crossed 🤞I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Sun_Addict said:Hope it turns out ok HH. He’s in the best place to get checked out and treated. Fingers crossed 🤞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
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