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

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  • beanielou
    beanielou Posts: 96,473 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Agree with SA on both points.
    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.
  • Thanks Beanie and SSG.
    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
  • Gosh, such a lot of driving - no wonder you were whacked out ! Glad to hear he settled in without incident.

    Yes, they still do look in the fridge (or the biscuit tin if you have one!!).
  • Thank you Elizabeth. I'm missing DS3 already and it's only the second night at home :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
    edited 27 September 2018 at 9:54AM
    It's a beautiful sunny day today but cool, my perfect weather. The weather forcast said it would be 20 degrees today, but that's hard to believe.

    I've emptied DS3's desk and cleaned it. I've also cleaned his window and windowsill which look transformed. The room is much brighter now. His net curtain is washing along with some bedding. When they're drying I'm going to put his curtains in to wash. I've realised that they are machine washable and you can tumble them, so that's good news.

    When I've recovered from that bout of cleaning I'm going to attempt to tackle the VAT return I've been putting off for two months :(. Just the thought of it makes me feel stressed, but the fact I haven't done it is stressing me too :(. DH said he will help me do it.

    If I manage to accomplish that then I'll do some ironing before going for a long walk. DS1 has a friend recently diagnosed with cancer at only 25 and because of that she has to have a hysterectomy. Poor girl I feel so sad for her :(. She is coming to hang out with DS1 this afternoon, so I'll time my walk to coincide with that visit as I'll be banished from the living room.

    DS2 has an appointment at the travel clinic today for innoculations in preparation for his trip to India! I'm not sure how quickly he will get a visa, but he wants to get the innoculations done first.

    I hope everyone has a good day today.
    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
  • A productive day Hairy hand.

    What awful news for your DS's friend at such a young age. Let's hope she gets well soon.

    Enjoy your walk, It's perfect weather.
    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.
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    That's such a shame for the poor girl life is very cruel sometimes xx

    Is the vat return dreadful to do......I hate doing my accounts as it's very time consuming 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
  • Your poor daughters friend, good that she's got a good friend to lean on.

    Well done on the cleaning, you've put me to shame.

    Glad that DS went to Uni ok, I'm sure it's strange at the moment but it won't be long until he's back home xx
  • Awful news about DS1’s friend :(

    Hope today went to plan Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Hi Hairy. I'm glad everything went well at the uni and as others said, he'll be back before you know it. I think though after all your work cleaning out his bedroom at home you should pay yourself with the coins you collected in the jar!

    Sorry to hear about your son's friend and I do hope things go well for her.

    I hope you had a lovely walk today and the VAT work wasn't too awful.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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