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

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  • Negative again? Can I uncross my fingers yet...?! (I'm going to guess at yes, and you're quite sensibly making the most of your rediscovered freedom!) 
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 17 January 2022 at 12:25PM
    Fidelia said:
    You sound so much brighter now you've been able to get outside, Hairy.  I too feel so sorry for the ones who had to isolate for a full fortnight.  Must have been horrendous.  Not long to go now for you.  I'm so glad you had no symptoms, makes the isolation seem so unfair though doesn't it, but you followed the rules regardless so all credit to you. Great to hear everyone else in the house has avoided catching it too.  Let's hope we are all over the worst of it now, it seems Boris is intending to cancel  ALL Covid restrictions by the end of the month.  Maybe a bit premature but we all live in hope that the virus is finally in retreat.. Unless a new variant pops up.

    When you mentioned about asymptomatic people passing on the virus totally unwittingly reminded me of a lady who runs nurseries that I saw on TV the other day. She was very worried about staff shortages. She said there were parents that she knew for certain had Covid yet because young children don't have to isolate they were still coming to nursery and possibly passing it on to the nursery staff.  This seems bizarre.  No wonder you caught it, Hairy, if that sort of thing is going on.

    Well done on getting your dull assignment done and dusted.  Must have been a relief.  I expect your own personal experience of raising 3 children of your own will have stood you in good stead for writing about very young children even though you haven't actually had a working role with that age group.

    Sending safe, virtual, socially-distanced hugs to you all xxx
    Thanks Fidelia :). I think nurseries are a petri dish for infections at the moment.
    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
  • Consider fingers solidly crossed here for you having had a negative LFT today HH - and for a similar result tomorrow! 🤞🏼🤞🏼
    Thanks EH :)
    jwil said:
    Consider fingers solidly crossed here for you having had a negative LFT today HH - and for a similar result tomorrow! 🤞🏼🤞🏼
    From me too.  Congrats on the assignment as well :)
    Thanks Jwil :)
    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
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