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

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  • I'm glad you enjoyed your volunteering, HH. Pudsey Day with young children sounds fun:j

    When I had my flu jab I was fine but OH had a bit of stiffness in his arm which he put down to the nurse doing it. He knows her of old, she's really rough:eek:. It was Ok after about 24 hours though.


    I agree with Elizabeth about your having achieved a lot of difficult things this past few days. We're all really proud of you:T. You're capable of a lot more than you give yourself credit for and I just know when you get a job you'll take everything in your stride:A


    Thank you Carboot. I think overall I'll be disappointed if I don't get the jobs as I want money and need social contact. If I don't get them though then I'll just apply for more :).
    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
  • OH was horrified at the prices when I checked the train fares for him for his homeward trip next week. My friend wants to pay for it but OH feels guilty about letting her do it. She's just lost her husband after all and is having a nightmare time worrying about her brother. OH can often come across as a curmudgeon:eek: but he has a kind heart really, even if he keeps it hidden most of the time:rotfl:.


    A friend of ours has a Senior Railcard which gets a discount on fares. He offered to let OH use it as it doesn't carry a photo or anything. OH has gone over there now and his friend is going to book and pay for the tickets online and OH will pay him back. OH is worried in case he gets arrested for fraud:eek:. He's also a bit worried about the insurance for my friend's brother's car. OH's current insurance allows him to drive any other car with the owner's permission so I expect that will be enough. Not sure he'll have the owner's permission though, depends on what mood John (brother) wakes up in. I can imagine them wrestling each other for the car keys:rotfl:

    I'm just picturing OH and John wrestling over car keys now :rotfl:. I hope the trip goes well.
    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
  • I'm just picturing OH and John wrestling over car keys now :rotfl:. I hope the trip goes well.

    They're both OAPs with white beards and who could do with losing a few pounds in weight:rotfl:
  • They're both OAPs with white beards and who could do with losing a few pounds in weight:rotfl:

    All they need are santa hats to complete the picture :rotfl:
    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
  • Hi Hairy,

    Good luck with the job applications, I hope they are successful for you.
    Well done on N power, although 50%! wow.

    I was paying £200 a month when I was 27, which is 8 years ago now. He's got it lovely at home! I'm glad he will help though, that must be a huge weight off your mind. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Thanks Nicnak :). It will be a massive help to pay the bills and DS2 has quite a lot of money saved up (unlike us) so I know I shouldn't feel guilty.
    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
  • I think £200 is very reasonable. I would expect to pay around £400 now if I was to live at home. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou
    beanielou Posts: 96,554 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on your DS2 being able to contribute.
    So pleased for you.
    Dont feel guilty about your DS2 making a contribution.
    This will stand him in good stead when he moves on to the next stages of independence.
    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: 96,554 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    & I hadent realised that DS2 worked.
    So I think he has a great deal.


    Do you have a spare room?
    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.
  • Great news on DS paying board :T.

    Good luck with the job applications.

    I’m always weirded by the word ‘mufti’. It’s not a word we use where I live :rotfl:. Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
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