📨 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

114151719201551

Comments

  • MiMi66 wrote: »
    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

    Aww thank you Mimi :)

    It's good if we can help each other and this forum is great at giving practical and emotional support.
    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
  • 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.


    Not weird at all parsnip, I love going to the tip :D I 'd be there all the time if I could drive, but DH is less keen. It's so fascinating seeing what other people are dropping off :D

    There do seem to be a lot of people de-cluttering on here. I guess debt is a form of clutter so it's a similar journey.

    I don't think I will EVER finish de-cluttering as new clutter seems to mysteriously appear all the time :mad: It's a work in progress :)
    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
  • The clutter has departed the house, a wash is in the machine, I've cleaned the bathroom, DH is busy painting and the sun is still shining.

    All is right with the world :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
  • We spent £7 in Morrison's on the way back from the tip, on 16 pints of milk and DH wanted a pack of four wooden coat hangers and some chocolate.

    The milk may last a couple of days if we're lucky :rotfl:

    My back feels a bit sore after cleaning the bathroom and loading up the clutter earlier so I'm going to rest it for a bit.

    We have a big day tomorrow as DH can ring the final creditor. I have to be prepared for them to say no, but I know I'll be very upset if they do :(
    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
  • Best of luck for the call tomorrow Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • beanielou
    beanielou Posts: 95,829 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The clutter has departed the house, a wash is in the machine, I've cleaned the bathroom, DH is busy painting and the sun is still shining.

    All is right with the world :D

    Good :)
    Did you really say 16 pints of milk?
    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.
  • beanielou
    beanielou Posts: 95,829 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    & hope phone call goes well tomorrow.
    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.
  • Reb2016
    Reb2016 Posts: 176 Forumite
    Decluttering is great, i’ve done a lot of that over the past year, and cleaning is sooo much easier.

    :rotfl: at the fury moron

    Good luck on the call tomorrow I have my fingers crossed.

    Reb
  • redofromstart
    redofromstart Posts: 5,872 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hoping tomorrows call goes well.

    I find sneaking stuff to the tip quite satisfying but I am fighting a losing battle against the clutter here.
  • beanielou wrote: »
    Good :)
    Did you really say 16 pints of milk?

    I certainly did :D It's a constant source of amazement to me how much milk we get through in this house :eek: Mind you I don't buy squash or juice so pints of milk get drunk, and then there are my many cups of tea, especially now I've given up the coke :o
    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
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 258K 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.