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.

📨 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

12993003023043051551

Comments

  • System
    System Posts: 178,369 Community Admin
    10,000 Posts Photogenic Name Dropper
    How very annoying and inconvenient. I hope you get paid soon HH . I guess the joys of being self employed , at the mercy of your debtors.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Thanks Cumbria. It is one of the big downsides to being self employed and helped us get into debt over the years :(. I'm glad we've got no available credit or it would be tempting to use it to pay the bills and then it would never get paid back as we'd find something else we needed to spend money on. It's a very slippery slope.
    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: 96,574 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I could not cope with the stress of that.
    Have you cancelled the DD's so you are not charged?
    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.
  • redofromstart
    redofromstart Posts: 5,932 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    :( Hope someone pays you HHOD

    the only positive is that at least someone owes you some money I guess.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 15 May 2018 at 8:34AM
    I hope people who owe you money pay up very soon, HH. I know what a nightmare that situation can be as my Dad ran his own business and had to pay his employees on time even when he was kept waiting unfair lengths of time to be paid by people/companies they'd done work for. Getting paid by some of the 'big' companies was the worst. He always said that individual people that they did work for always paid promptly whereas the bigger the company that owed him money the longer he had to wait for it. These were usually the biggest, higher paying jobs so a lot of his money was tied up for months sometimes. This was his recurring moan throughout my childhood:(


    I always envy you, HH, for the amount of Prolific and YouGov surveys you get. I don't think I'm in a very interesting demographic group, being a pensioner, retired, with no children and living in a rural area:(. I was amazed this morning when, being awake ridiculously early, I logged in to my Prolific account and saw a survey that I was eligible for:j. It was quite long but really interesting and enjoyable. The best bit was that it paid £5:T and I received the notification that it had been accepted and pay was credited in about 10 minutes after submitting it:eek:. I can't believe that the researcher was up and about at that unearthly hour, or that he had time to evaluate the submission:rotfl:.
  • beanielou
    beanielou Posts: 96,574 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy Tuesday :)
    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: »
    Happy Tuesday :)

    Likewise !

    I had a lovely Sunday with younger daughter & grandson, eating brunch & then fooling around in the centre of Didcot where they have a 'press your hand here' train mural with sound effects, perfect for 3yr olds and Grannies !! Then in the pm we visited Oxfordshire Animal Sanctuary (where daughter got her cat from), to look at the cats and have afternoon tea for a donation. We saw 4 x 8-wk old kittens, and if there is anything cuter in the world I wouldn't believe it ! Awww!
  • Cherryfudge
    Cherryfudge Posts: 13,736 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hope the money comes through today HH. Well done on all the surveys!
    I 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 21/3/22
  • jwil
    jwil Posts: 22,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get paid soon.

    CBC - With YouGov - have you checked your settings? They ask you how frequently you want surveys. You might have said something less frequent. Mine are set for as often as possible. You might find that doing some of the activities and free surveys on the site gives you more.

    Although it's a slow payer, I like You Gov as it never screens you out, the surveys are never ridiculously long, and you often see the results in the press.
    "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 McGee
  • EssexHebridean
    EssexHebridean Posts: 24,619 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I got all hopeful for a minute then, but no, I'm definitely set for as often as possible! :rotfl:
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K 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.