We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
-
The fences are an investment. Glad you are enjoying themIf 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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Hope everything is ok Hairy and you’re just busy enjoying your new fences.January spends - £587.586
-
Hi Hhod, having read most of your diary I just wanted to say, such an inspiration. Hope all is going well and you're enjoying your fences which have been thoroughly earned.Debt at start Jan 2020 : £15000
Current level : £3934
Total paid = 74%4 -
Hope all is well & you are just busy.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 -
blah1234 said:Hi Hhod, having read most of your diary I just wanted to say, such an inspiration. Hope all is going well and you're enjoying your fences which have been thoroughly earned.
. It's a very long read I'm afraid.
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 -
Thanks everyone
. I'm fine but I've just been busy and feeling tired. I'll update when I can.
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 MONTHS7 -
Take care xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x4 -
Nicnak said:Take care x
.
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 -
Hi everyone 🙂. I'm really tired at the moment for some reason despite hardly doing anything at the weekend. I think being at school, the builders being in and DS1's birthday prep exhausted me. Also school is more tiring despite having less children as its more intense and all the extra cleaning, hand washing and distancing makes for extra work. The day is longer too as the children are arriving ten minutes earlier, although I notice I'm not getting paid any extra, hmmm 🤔.
I'm still delighted with the new fences and spend ages looking out of the kitchen window enjoying the sight of them 😁. The weather has been a bit iffy so I haven't sat out and we still have a mountain of branches in the garden which spoils the aesthetics a bit 🙄. But I've been out to pull up the odd weed, etc, and it feels much more private and enjoyable being in the garden, so I'm looking forward to the better weather so I can drink my morning tea in the garden 🙂.
I got given a free mask at school yesterday by the head teacher 🙂. Someone had made them for the staff in a lovely range of cotton materials with nose wires, so I chose a lovely colour and pattern. So I have three masks now and I'm waiting for a fourth one to arrive from Z@zzle which I ordered ages ago. I wouldn't use Z@zzle again as it was expensive and very slow to arrive. The Etsy ones were half the price, free postage and arrived really quickly.
I need to get ready for work now. I'm only doing lunchtime today thank goodness but I think it's going to rain 🌧☔ and all the toys have been taken out of the classroom for hygiene reasons 😩. Have a good day 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 = £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 -
The weather has been quite muggy the past few days so this could be another reason for feeling tired. Boo to doing 10 minutes extra work for no extra cash. I was the same as you are with your fence when I had my new kitchen and bathroom 3 years ago, I kept going in an looking at them, just admiring them. I'm hoping to have a new front door and front windows this year, although not had any quotes so no idea how much it will cost probably a lot more than I've got saved up for it. Nice to get a free mask with a nice pattern - our local shop is selling flamingo print ones so when I eventually go somewhere to need one that's the sort of thing I'm going for. Hope you have a good day today 😁I get knocked down but I get up again (Chumbawamba, Tubthumping)6
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards