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

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Happy Sunday :)

    Thanks Beanie :)
    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
  • doingitanyway
    doingitanyway Posts: 10,481 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    HairyHandofDartmoor wrote: »
    We had a late night last night because we were watching Cloud Atlas and it's the longest film in the world! I kept thinking it was about to finish, not realising it was three hours long :mad:. I still have no idea what the film is about :rotfl:. Maybe the cider didn't help :think:.
    It wasn't the cider. Cloud Atlas by David Mitchell is a complex book and I would have thought almost impossible to film because of its structure. I didn't know a film existed, but judging by your reaction my initial thoughts are probably correct :rotfl:
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • jwil
    jwil Posts: 22,603 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I didn't get on with Cloud Atlas the book, haven't seen the film.

    I've been reading a lot of Michael Connelly recently, I really like them. I'm also watching Bosch on Amazon Prime, it's really good, and I think Titus Welliver is a perfect Harry Bosch!

    Hope the boiler is not too serious. We had a drip on ours and they just replaced a washer.
    "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
  • elizabethhull
    elizabethhull Posts: 767 Forumite
    Part of the Furniture 500 Posts
    redofromstart wrote: »
    Sounds like a busy day to me, I'm working my way through SSs bags of rubbish that he helpfully left when he moved out a few weeks ago.

    Socks, I have to plead guilty to insisting that DS1 only has plain black, and DS2 plain grey which makes it easier for matching and then I just buy them ten pairs at a time of the cheapo supermarket ones which are high cotton. Lazy but effective and economical.

    Sounded like a busy day to me too ! I think you have higher standards than me, HHOH.

    As for the socks, when hubby was working, and the elder daughter who has big feet was still at home (sorry, DD!), I got hubby lots of identical navy socks. Well if there is anything more soul-destroying than trying to match up 20 pairs of differently faded navy socks, I don't want to hear about it. After that, he had patterns.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway wrote: »
    It wasn't the cider. Cloud Atlas by David Mitchell is a complex book and I would have thought almost impossible to film because of its structure. I didn't know a film existed, but judging by your reaction my initial thoughts are probably correct :rotfl:

    Glad it's not just me :D
    jwil wrote: »
    I didn't get on with Cloud Atlas the book, haven't seen the film.

    I've been reading a lot of Michael Connelly recently, I really like them. I'm also watching Bosch on Amazon Prime, it's really good, and I think Titus Welliver is a perfect Harry Bosch!

    Hope the boiler is not too serious. We had a drip on ours and they just replaced a washer.

    I agree the Bosch tv series is brilliant :)
    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
    elizabethhull wrote: »
    Sounded like a busy day to me too ! I think you have higher standards than me, HHOH.

    As for the socks, when hubby was working, and the elder daughter who has big feet was still at home (sorry, DD!), I got hubby lots of identical navy socks. Well if there is anything more soul-destroying than trying to match up 20 pairs of differently faded navy socks, I don't want to hear about it. After that, he had patterns.


    It's not high standards, it's just not much compared to what NEEDS doing :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another busy day today! I had a £5 haircut today at the hairdressing school and my hair looks much better, no more split ends :T. BUT they are closing at the end of July :( Where will I get my hair cut from now on? :(.

    Then I walked home to get some exercise, had lunch, did some work and then went back out to get my eyes tested. I have a close family member with glaucoma so I need to get checked for it once a year. My eyes are fine luckily :T.

    While I was in town I got a birthday cake for DS1 for tomorrow, a chocolate orange and matchmakers for £1 each (extra presents for DS1), plus more bananas. We've got his main presents already but I need to wrap them up tonight.

    Then I bought myself a bra as I only had two which is nowhere near enough. It cost £20 which isn't too bad I thought. I'd like to pick up a fourth one soon so I have two black and two white ones, which should suit all my clothes.


    I've done over 10,000 steps so far today, no wonder my feet are sore :eek:. Have a great day all :).
    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
  • in_need_of_direction
    in_need_of_direction Posts: 7,893 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    did you ever consider a flesh coloured bra?
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • beanielou
    beanielou Posts: 96,932 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Go for a nice colour for a change :)
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    in_need_of_direction wrote: »
    did you ever consider a flesh coloured bra?

    I'm very pale so flesh colour may not match my skin tone. I could try one on I guess to see.
    beanielou wrote: »
    Go for a nice colour for a change :)

    I like them to match my knickers which are mostly black and white atm. I'm very boring with my underwear :).
    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
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