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

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Comments

  • jwil
    jwil Posts: 22,579 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon x
    "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
  • Thanks Jwil :).
    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: 96,879 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    carbootcrazy~~ hope that today has gone as well as it can have.
    Thinking of you.
    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
    beanielou Posts: 96,879 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    HHD~~~ hope that you have a good day :)
    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: »
    HHD~~~ hope that you have a good day :)

    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
  • Still here reading, lurking and in general trying not to butt in as this isn’t my space. I suppose I should consider my own diary but honestly I doubt I’d keep it up.

    Hope you’re feeling a bit better. Sinus problems are the pits I know and they seem to flare for no reason don’t they? Tried everything but rest and plenty of water seem to help mine the most.

    Take care
    SF x
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • Sorry to hear your cold has spread to your sinuses. The pain of that can be horrible so I hope you'll feel some improvement soon, manage to go shopping tomorrow and find some lovely edible Christmas bargains:beer:


    Thanks to everyone who wished me well at the funeral, Everyone who visits HH's diary is so nice:A


    Things went really well, it was a sombre but well thought out service. There were lots of people there, I think my friend was really grateful so many had bothered to attend as a lot of them were in their late 70s and 80s and not in the best of health. Even the sun shone when we gathered at the graveside but it was very cold. I thank my lucky stars that I found my black coat in the charity shop when I needed it for my brother's funeral in March. I've needed it for 2 funerals now, both in very cold weather. For the £14 it cost me I've already had more than my money's worth:j. My cold is no worse so maybe it will just stay as sneezes and a runny nose without all the extra nasties that you are suffering from, HH. I've not been home long and the house is freezing cold. A bit of a shock to the system after my friend's lovely warm home although I'm used to being cold here normally. I've already had 2 cups of tea but still have my coat on. I might have a hot shower soon and an early night. OH has fiddled with the temperature dial of the shower and it's stuck:eek:. It only gets up to lukewarm at best and I don't fancy ending up colder than I already am so I expect my hope for a hot shower is a bit of a dream. The shower is ancient and needs replacing but OH keeps insisting he can fix it but only makes it worse:(


    Night night, all. See you in the morning.
  • Sallyforth wrote: »
    Still here reading, lurking and in general trying not to butt in as this isn’t my space. I suppose I should consider my own diary but honestly I doubt I’d keep it up.

    Hope you’re feeling a bit better. Sinus problems are the pits I know and they seem to flare for no reason don’t they? Tried everything but rest and plenty of water seem to help mine the most.

    Take care
    SF x

    Thanks Sally. Feel free to butt in :).
    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
  • Sorry to hear your cold has spread to your sinuses. The pain of that can be horrible so I hope you'll feel some improvement soon, manage to go shopping tomorrow and find some lovely edible Christmas bargains:beer:


    Thanks to everyone who wished me well at the funeral, Everyone who visits HH's diary is so nice:A


    Things went really well, it was a sombre but well thought out service. There were lots of people there, I think my friend was really grateful so many had bothered to attend as a lot of them were in their late 70s and 80s and not in the best of health. Even the sun shone when we gathered at the graveside but it was very cold. I thank my lucky stars that I found my black coat in the charity shop when I needed it for my brother's funeral in March. I've needed it for 2 funerals now, both in very cold weather. For the £14 it cost me I've already had more than my money's worth:j. My cold is no worse so maybe it will just stay as sneezes and a runny nose without all the extra nasties that you are suffering from, HH. I've not been home long and the house is freezing cold. A bit of a shock to the system after my friend's lovely warm home although I'm used to being cold here normally. I've already had 2 cups of tea but still have my coat on. I might have a hot shower soon and an early night. OH has fiddled with the temperature dial of the shower and it's stuck:eek:. It only gets up to lukewarm at best and I don't fancy ending up colder than I already am so I expect my hope for a hot shower is a bit of a dream. The shower is ancient and needs replacing but OH keeps insisting he can fix it but only makes it worse:(


    Night night, all. See you in the morning.

    I'm glad the funeral went as well as they can and it's nice that so many people attended.

    :eek: :eek: to the lukewarm shower. A hot shower is my daily luxury and always warms me up. Threaten to ring a plumber if OH doesn't fix it soon.

    I hope your cold doesn't get any worse.
    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: 96,879 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Another :eek: to the lukewarm shower carbootcrazy.
    Also a vote for phoning a plumber.
    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.
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