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

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  • I love the portability of my kindle...

    I find myself reading the digital version of a book and then buying the REAL book though... which I've been doing with Jo Nesbo...

    Hoping to get to see The Snowman either tomorrow night or during this coming week.
    YES, I've read the book but I just want to see if they have done it justice on the big screen...


    I like Jo Nesbo too US. I picked up a hardback of Police today for £1 :) I think The Snowman is his scariest book so far :eek:
    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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Hi hairy :hello:

    Seen you on a few peoples diaries and thought I would have a nosey xx

    Congrats on get rid of do much debt fingers crossed the last debtor doesn't leave you hanging too long xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • Sun_Addict
    Sun_Addict Posts: 24,160 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you like scary - have you read Kiss the Girls - I read the book and it preyed on my mind for ages, as for the film, not the same unfortunately :(

    I've got a Kindle app on my iPad but much prefer real books.

    Baths are my sanity - I have candles, book/magazine, music and at weekends a glass of wine :) Bliss.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • The James Patterson book? I have read that and really enjoyed it. I enjoyed the film 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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 16 October 2017 at 8:17AM
    Today is the day that we are going to ring DH's final creditor again. Sigh. It is over two weeks since we posted our letter to them, first class and recorded delivery. A week ago today they said they had received the letter but not got it on the system :( I'm hoping that by now it will at least be on the system. Whether they will be in a position to give us an answer, who knows :o

    Apart from that, DH has his diabetic eye test first thing and then we have a ton of work to catch up on.

    I had a lovely day yesterday spending the day with two of my adult nieces, their partners and my parents. :) DH and DS1 came too. The sun shone and it was lovely to spend time with them. Although it was an expensive day. We met at a craft place for lunch. I chose the cheapest thing on the menu which was soup and bread which cost £6, plus a coffee for £2.80. DH and DS1 had a meal that cost £7 each (second cheapest thing on the menu) plus a drink each. The whole lunch cost £29 for the three of us, which I thought was very expensive :eek: :eek: We didn't buy anything in the shops, but I had another drink later on and DH and DS1 had a drink and cake each, which came to £14.90 altogether :eek: Parking was £3. On the way home I was so hungry I felt faint, so I bought a banana and some Flakes for us to share which cost £1.19. So a very expensive day in all ( nearly £50 :() However I do love seeing family :) Just wish it could be done more cheaply :(
    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
  • DH just rang the creditor. Still nothing on the system :( The person he was speaking to said that this seemed odd. So they are going to ring us back. Sigh.
    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
  • abba1772 wrote: »
    Hi hairy :hello:

    Seen you on a few peoples diaries and thought I would have a nosey xx

    Congrats on get rid of do much debt fingers crossed the last debtor doesn't leave you hanging too long xx

    Hi Abba just spotted your message. Thanks for popping in on my diary :wave:. The suspense is killing me, but I hope we get an answer soon :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
  • beanielou
    beanielou Posts: 95,833 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    DH just rang the creditor. Still nothing on the system :( The person he was speaking to said that this seemed odd. So they are going to ring us back. Sigh.

    You could not make it up:mad::mad:
    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 wrote: »
    You could not make it up:mad::mad:

    I know, maddening. We're still waiting for them to ring back :(
    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
  • Hope you hear back soon. At least you can use it as evidence of their incompetence if you need to further down the line Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
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