📨 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

1148814891491149314941551

Comments

  • Special thoughts today HH to you. Have a lovely day with all your family. 
    Life is an adventure, never stop exploring.

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Randomly read up on the myth of the Hairy Hands this week so made me smile when I saw your name 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Nearly the weekend HHD & not long til the Easter holidays  :)
    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.
  • Fidelia
    Fidelia Posts: 321 Forumite
    100 Posts First Anniversary Name Dropper
    I hope you're OK, HHoD as it seems ages since your last update.  Just busy I expect.

    Lucky you with your daffodils, redo.  I wish ours were ready to cut.  There's not a single flower visible in the garden and we've hundreds of bulbs now after all these years of self-multiplying. Even the buds are still so small and tightly closed it looks like it will be  a while yet.
    New Challenge:  Tilly Tidy as much as possible in 2022.  Running total to 26 Feb: £183.77

    Tilly Tidy to £1200+ by 31/12/2021 Challenge.   
    Final 2021 total: £1313.37 /£1200+     Average £109.45/month 
    J£74.95/F£92.17/M£99.42/A£98.20/M£116.30/J£129.68/J£93.37/A£140.25/S£128.10/O£119.57/N£106.20/D:£115.16
  • milann said:
    Hairy hairy I’m so pleased you don’t have a time machine as I never ever want to revisit 2020.....it has to be up there as one of my worst ever years. 😲😲 The time will pass quickly to 2022 at least you know it will be done and not a maybe sometime in years to come👍
    Your week sounds interesting. It must be difficult for everyone to adjust. I’m just hoping there isn’t a spike in numbers now schools are back and lockdown can precede as planned.
    Have a restful weekend- how long until you break up for Easter.
    Thanks Milann :). I don't want to revisit 2020 either, it hasn't been my worst year ever but it's certainly not been my best year.

    jwil said:
    Getting the house done will be something to look forward to!

    Glad your week improved and well done on the weight loss.  Have a lovely relaxing weekend :)
    Thanks Jwil :). Yes it's good to get it booked in anyway.
    Nicnak said:
    Great that you can get the house things done. I am impatient too and like to book things in. 
    We always have a laugh in the staffroom. Not about the children necessarily but just in general about things as it helps when we've had a stressful day x
    Thanks Nicnak :). A bit of humour does help in a pressurised environment.
    foxgloves said:
    Lots of really positive stuff there, HHoD..... & we definitely all need positives at the moment, after the year we've had.
    F x
    Thanks Foxgloves :)
    Great to hear the house plans are on the calendar for early next year. What a challenging week you had at work , no wonder you fancy a rest this weekend. 
    Any sign of DS3 going back to uni ? Enjoy your Mother's Day , I know you will be thinking of your own mum . 
    Thanks Sunshine :)
    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'm glad you have finished the fencing.
    I know 2022 seems like a long way off, but it isn't really, and you have a good builder worth waiting for.
    Your activity levels are impressive!

    Thanks DIA :). I don't' really notice the steps I do until I get home, it's just a very active job. 
    Fidelia said:
    Great to hear the builder is booked in and your vaccine appointment is not too far away.  It was so windy and rainy here this past week that we had to keep going out and 'battening down the hatches' (sometimes in the middle of the night) on things/places that we'd never had problems with before.  Despite all that we still had quite a lot of dislodged and broken roof tiles  and a poplar tree fell and narrowly missed the summerhouse.  Well, I call it the 'summerhouse' which is what it originally was but it's now just full of junk (stuff that DH thinks will come in handy one day and too potentially useful to throw out!).  The task of getting all that saved and stashed elsewhere would have been a nightmare.

    When our youngest daughter was about 6 I asked her what her new teacher was like.  She thought long and hard and then said ''Well, she's very old.  But she's clean''.  I still laugh when I think about it.  Incidentally, the teacher was probably the same age as I was at the time.  No doubt my DD thought I was ancient too. No idea how I rated for cleanliness in her eyes though.

    Have a good week, HH.   How many more weeks before DS goes back?  Is this his Finals year?
    Thanks Fidelia :). Children do say funny things.
    Special thoughts today HH to you. Have a lovely day with all your family. 
    Thanks Sunshine :)
    Randomly read up on the myth of the Hairy Hands this week so made me smile when I saw your name 
    It's a good legend :)
    beanielou said:
    Nearly the weekend HHD & not long til the Easter holidays  :)
    Thanks Beanie :)
    Smiling at the spring bulbs and thinking of you HHOD.  I cut a bunch of daffodils from the garden today, frugal happiness at its finest,
    Thanks Redo :). I do love daffodils as they're such a cheerful flower.
    Fidelia said:
    I hope you're OK, HHoD as it seems ages since your last update.  Just busy I expect.

    Lucky you with your daffodils, redo.  I wish ours were ready to cut.  There's not a single flower visible in the garden and we've hundreds of bulbs now after all these years of self-multiplying. Even the buds are still so small and tightly closed it looks like it will be  a while yet.
    Thanks Fidelia :). I've just been busy and tired.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.