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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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HairyHandofDartmoor wrote: »That's really sad for you Lucky but a lovely idea to plant the rhododendrons. I did wonder about planting a shrub for my mum, she liked hydrangeas. But I can't afford to buy one at the moment. It would be a nice idea for later though.
Could you ask for one as a gift maybe for Christmas?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.0 -
I could buy one with my Christmas money, but we might manage it before depending upon how things go.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 MONTHS0 -
I feel tired today although I slept well. I did a long walk in the park yesterday though and then walked to Pilates and back so that may explain it! I did 13,133 steps, 47 floors, 5.98 miles and 64 active minutes yesterday. Today will be less impressive though
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Today is the weekly food shop. Our broadband was down this morning as we owed two paymentsbut we managed to pay one and it's back up now. We have enough left for today's food shop (£60) but after that we're in trouble again
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The weather is very gloomy but I don't want to turn the light on to save electricity. It's lucky my screen is backlit!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 MONTHS0 -
I'm sorry things are so tough Hairy. xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
Thank you Nicnak.
DS1 has appeared and put a lamp on, sigh. I'd have sat in the gloom all day to save electricity.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 MONTHS0 -
Sorry things are tough for you at the moment Hairy
, do you have any candles at least then it would look warm and cosy without the lights on
Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8940 -
Thanks OBL I do have a candle I use in the kitchen when cooking, but DS1 will get depressed if he has to sit in the gloom
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I just did a YG survey. I need seven more to earn my £50. It's only taken about two years :mad:.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 MONTHS0 -
HairyHandofDartmoor wrote: »Thanks OBL I do have a candle I use in the kitchen when cooking, but DS1 will get depressed if he has to sit in the gloom
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I just did a YG survey. I need seven more to earn my £50. It's only taken about two years :mad:.if it's any consolation the lamp probably isn't using a lot of electric, my daughter is terrible for leaving lights on,I come home from work sometimes and it looks like Blackpool illuminations at my house,I'm constantly walking round turning lights off,it drives me mad,I must say though like your son I would get very sad and depressed if I had to sit in a gloomy roomful any length of time,I crave light in the winter
Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8940 -
HairyHandofDartmoor wrote: »Today is the weekly food shop. Our broadband was down this morning as we owed two payments
but we managed to pay one and it's back up now. We have enough left for today's food shop (£60) but after that we're in trouble again
.
This is terrible! My heart goes out to you and DH:kisses3:.
Life can be so unfair to decent people who work hard and do their best. Sorry, don't mean to be intrusive but is there anything you can claim for, any benefit that you're eligible for? It's not just the unemployed who are eligible for various benefits and once you're in receipt of one I understand you become eligible for all sorts of others. It may not amount to much but every little helps. It's so wrong for people to have to sit in the dark in the 21st century:(.
Sadly, OH and I don't qualify for a single benefit. Not that we have a big joint income, it's just that we are a smidgen the wrong side of the threshold:mad:. Not that we like the idea of accepting benefits but as people who have spent a full working life in full employment and paid all the usual taxes and never claimed for anything it seemed unfair to us that loads of people we know were getting free insulation and all sorts but we had to pay for ours:(0 -
It does seem unfair that you are in this position. In fact it make me feel cross.
You are doing so well, especially given you are also dealing with bereavement.
Well done with the exercise.
Sending a hug (())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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720250
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