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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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Happy Freedom Day, it's been a long time coming!"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 McGee5
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Very belated congratulations on your new job and imminent release from isolation. Your husband's weight loss of 2 stone is incredibly impressive too. Is he following a particular regime?CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0425
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Hooray…..so pleased you have been released. I bet your house seems very big to you now.It’s good that you are ahead with the college work and that you have eaten frogs. 🤞for the isolation fund coming up trumps for you. 🤞January spends - £587.585
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Glad to hear you are free , I am sure your family are pleased as well.Life is an adventure, never stop exploring.5
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Glad to hear you are free and well done on getting your assignments done.5
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Happy Return To Work, Hairy
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:£115.165 -
Hopefully you're now back at work and all is well - that must have felt like a very long 11 days though!🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Hope yesterday went well.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 -
I hope your first week back at work went smoothly, Hairy. Enjoy your weekend.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:£115.164 -
Hope you’re not too tired after your 1st full week back. I’m guessing you’re working longer hours than when you did full time at school?January spends - £587.584
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