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

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  • Happy friday everyone :)
    Apart from that it should be a NSD (hopefully) and it will be another AFD. I haven't drunk any alcohol in 2018 yet :rotfl::T.
    .

    Thank you for clearing up the mystery of what an AFD was !! I knew NSD, but not AFD. Not one of my temptations - can't stand the stuff, so am teetotal by taste rather than health or morals !

    Xmas is wonderful but very disruptive somehow - it takes a while to feel you know what you're doing, what day of the week it is etc.
    We still have goodies left, so eating sensibly is on the back burner.

    I am hugely impressed with your step count.
  • I really enjoy red wine and cider but sleep better when I don't have it, so I usually save it as a weekend treat. You're lucky in a way that you don't like it.

    I agree Christmas is disruptive, it's nice knowing what day it is again :).

    I'm pleased that our goodies have run out but then there are five of us to eat them!
    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
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Yay to the making good progress with the office declutter HHOD. I hate jobs like that!!!

    My job is very interesting and varied, so busy from the moment we arrive at school until the moment we leave. Certainly never a minute to get bored and totally like no other job I've had. I actually thought it was going into an easy job to fit around the kids :eek:. I actually love to hate it sometimes!!! Marketing is only a small proportion of what I do.

    Glad youve got your plan in order though xx
    Mummytogirls x

  • I don't like de-cluttering paperwork as it's such slow progress, but the office looks so much nicer :).

    A job where the time goes quickly is a real blessing I think.
    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
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You need to keep up to keeping it looking nice (easier said than done I know :rotfl:).

    It is but the speed I get through my weeks actually scares me sometimes. I feel like I've blinked and the girls are now 11 and nearly 9. Makes me a bit sad if I think too much about it!! xx
    Mummytogirls x

  • The years do go quickly so you must enjoy them while they're young. Sometimes I wish mine were young again, but when they're grown up you can know them as adults which is really nice, so it's swings and roundabouts.
    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
  • I've done 10,200 steps and 17 flights of stairs today and I haven't even left the house :j. The weight should be dropping off me :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 = £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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 6 January 2018 at 11:51AM
    Sorry not been around much but have just found the time for a catch-up of all your news. Sounds as if everyone enjoyed the Christmas and New Year get-togethers:j, It's so lovely to be with family members at those times.


    I empathise about the trying to eat up the unhealthy festive foods:T. I thought I'd cracked it as we don't 'do' much of a Christmas/New Year but I did have a few extra treats in but they'd pretty much all been consumed. Then OH went shopping on Wednesday for a few bits to save me going (always a bad thing:rotfl:) and came back with 3 packs of 6 mince pies for a total of £1 that were on clearance:eek:. That's 18 pies that we didn't need but OH is always keen to snap up a bargain!!! They are going down very slowly, they'll probably be around until February at this rate as I've vowed not to eat a single one.




    I was thinking of you, HH and your BIL as my SIL phoned me on Tuesday to tell me that my brother (3 years younger than me) has been diagnosed with Stage 4 lung cancer. He had had treatment for bladder cancer and was doing well but it has spread to his lung. I'm baffled as to why it wasn't discovered until such an advanced stage but he wasn't showing any symptoms until very recently when he had problems breathing which he put down to the long and lingering chest cold he'd been having. Was never a smoker so just goes to show lung cancer can strike anyone however healthily they try to live:(


    He's at home and as an operation and radiotherapy have been ruled out by his consultant he will have to rely on chemo. They have given him 'months' which is such a blow but apparently he is to be given Immunotherapy (which is something I'd never heard of:o). His first course is on Friday. Apparently it is used widely in USA but not so commonly here. Any extension of his life will be a blessing. Apparently it gives a few extra months, it isn't a cure.


    We hadn't been particularly close in later years, the fact that he lives about 300 miles from me being a major factor, but I'm planning on making the trip to see him as soon as my lingering cold is gone. Infections from visitors is the last thing he needs right now. My old car is playing up and as I'll be going on my own I might check out train travel instead. Money (more like the lack of) is a bit of an issue at the moment though:o


    I hope you enjoy your charity shop and coffee treat. HH. Take care
  • Is it your usual Saturday this morning? X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • jwil
    jwil Posts: 22,381 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy new year HHOD, just had an epic catch up! Your 2017 was really successful.

    Congrats on the decluttering, have you checked out the Kon Mari way of folding clothes? It saves so much space!

    Hope 2018 is a good one for you! xx
    "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
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