We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

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

113141618191551

Comments

  • Our bunny is extremely dumb purplemum. When we let him out of his cage he runs around the living room trying to bite electrical wires, shoelaces, the skirting board; you name it and he tries to chew it :doh:

    He's also very moronic when it comes to his food; he doesn't know it's there even if it's right in front of him :doh:

    But he's very cute so we love him anyway :D
    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
  • Lol he sounds like a right character
  • He certainly is. He's old enough to know better too because he's four years old which is probably middle aged for a bunny :naughty: . He may be useful at Easter though :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
  • DebtFreeDuo
    DebtFreeDuo Posts: 1,021 Forumite
    1,000 Posts Third Anniversary Combo Breaker
    Now I want a ripple and I have no chocolate in the house! Well done on passing straight past the sales, its hard not to think 'oh I'll just have a quick look' and then spend a few quid before you can even stop yourself.
    Change the way you see things and the things you see will change
  • I didnt realise mentioning the word Ripple would cause so many cravings :rotfl:

    I've done that so many times DFD but I refuse to be lured in now. I just think, yeah up to 50% off the stuff you couldn't sell at full price because it's probably rubbish to start with.

    Posting on here every day helps too :)
    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
  • You are right about sales stuff. I have so much stuff that I don't use that has been bought in sales. A lot of it is going in a car boot sale next week. Is it wrong that I now fancy chocolate at 0747 after reading these posts? HaHa!
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • Morning Hairy,

    Have a lovely day x
  • The chocolate cravings strike again Bonnie :rotfl:

    Thanks purplemum :)

    Today's plan is to take a broken floor fan, a shedding rug, a hose for our previous Hoover and a large dead plant to the tip.

    I may not have mentioned before that one of my goals is to de-clutter the entire house to make cleaning easier and for more efficient living. I love a minimal look but it's hard to achieve in a house with four messy adults and one tidy one :mad: (can you guess which is which?) Yesterday I took some of DH's old shirts, two books and some clip frames to the charity shop. I try and offload some clutter every Saturday :D

    DH is planning a second coat of paint on the front door (I'm so pleased he's doing this), whilst I need to do more laundry and clean the bathroom. And it's finally stopped raining :T

    Have a great Sunday everyone.
    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
  • MiMi66
    MiMi66 Posts: 199 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Hi Hairy Hands!

    I just read through your diary and so many similarities between us with the way debt has accrued and the challenges of living to a budget. Well done on negotiating those Full and Final payments and I hope so much you get good news tomorrow from your last creditor.

    I will subscribe and try to give you some of the care and support you have given me to get through my very dark times. Thank you so much for that - literally life saving and the value of these forums is down to people like you taking the time to support others xx
    MiMi66 ☺️
    - DEBT FREE September 2022
    Saving for home improvements and a holiday to see family in Australia.
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    There nothing like a good visit to the tip. Or am I just being weird.

    So many people on the diarys decluttering. I wonder who will be the first to finish.

    Have a fantastic day.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
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
  • 353K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.1K Work, Benefits & Business
  • 602.2K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K 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.