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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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Oh how frustrating! I hope you get the payment though and well done for sorting the tax credits."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 McGee3
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Good news on WTC frog.
Good vibes for the self isolation grant.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 -
Well done on the WTC frog. Bureaucratic frogs are the worst!
You are nearly freeIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Good work on Frog eating, not good news on the isolation thing though.
As for the chocolate - you're surviving a pandemic for goodness sake - I'd say that's the sort of achievement that means if a bit of chocolate is the worst thing that's happened, you're doing OK!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
HHOD , I do hope you are out of isolation today. Fingers crossed you get the isolation grant .Life is an adventure, never stop exploring.4
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foxgloves said:Oh my days, @HairyHandofDartmoor - this is getting ridiculous. It just shows how people can be completely symptomless while still infected. Really hope you see that negative result soon.
F xFinally 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 -
jwil said:Oh how frustrating! I hope you get the payment though and well done for sorting the tax credits.beanielou said:Good news on WTC frog.
Good vibes for the self isolation grant.doingitanyway said:Well done on the WTC frog. Bureaucratic frogs are the worst!
You are nearly free. I agree about bureaucratic frogs.
EssexHebridean said:Good work on Frog eating, not good news on the isolation thing though.
As for the chocolate - you're surviving a pandemic for goodness sake - I'd say that's the sort of achievement that means if a bit of chocolate is the worst thing that's happened, you're doing OK!. It's lucky I don't drink is all I can say!
Sunshine_girl2 said:HHOD , I do hope you are out of isolation today. Fingers crossed you get the isolation grant .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 -
Hi HH, how are your tests going? Any news on the isolation grant?
Not long to go now xI think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/224 -
Well I have finally tested negative today on Day 11 🎉🎉🎉. I was beginning to think it would never happen. I'm going to emerge from isolation tomorrow so I can be positive I'm not infectious. This has certainly been a very frustating 11 days of my life 😣.
My tutor has left her job unfortunately, but my new tutor rang me on Wednesday evening and was very nice. She agreed to send me a new assignment to do during my isolation and I spent five hours working on it yesterday and three hours finishing it off today. I'm four weeks ahead now 😇 so I hopefully should be able to do my next two assignments during half term rather than trying to cram them into weekends. Doing two assignments has been a good use of my isolation time anyway.
Apart from that I haven't done much today apart from read my book and talk to my sister on the phone for an hour and a half. I'm looking forward to being free tomorrow and I hope that after two jabs, a booster and an infection I now have super immunity 🤣😂.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 -
Cherryfudge said:Hi HH, how are your tests going? Any news on the isolation grant?
Not long to go now x
We haven't applied for the grant yet as DH is busy working and I can't leave my room to gather the information needed. But I hope we'll be able to do it soon. We have 30 days left to apply for it luckily, but I hope it won't take us that long!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
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