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

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Comments

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nicnak wrote: »
    That's a good start on Christmas list and some of the bits, and some good ideas too on what you need to buy.

    x

    Thanks Nicnak :). Christmas is a bit stressful when you're strapped for cash, but hopefully charity shops will come to the rescue :D.
    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
  • Willowtree222
    Willowtree222 Posts: 8,291 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    HairyHandofDartmoor wrote: »
    Thanks Nicnak :). Christmas is a bit stressful when you're strapped for cash, but hopefully charity shops will come to the rescue :D.

    I am sure between that and pound world, they will. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou
    beanielou Posts: 96,608 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are getting very organised :)
    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
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Trying to Beanie :). How are you?
    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
  • System
    System Posts: 178,373 Community Admin
    10,000 Posts Photogenic Name Dropper
    Glad you enjoyed your coffee HH . I got my mum a secondhand book from charity shop last weekend , I swear it hadn't been read . It is now wrapped up for Xmas , cost me a £1 .

    At least you have got a list together and have started. I think you just have to go with what you can afford , better than ending up in debt.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Cumbria :). That's what we think. Not that anyone would lend us money at the moment :o but I wouldn't take it anyway. No more debt for me.
    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: 10,336 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Cumbria_lass wrote: »
    I got my mum a secondhand book from charity shop last weekend , I swear it hadn't been read . It is now wrapped up for Xmas , cost me a £1 .
    It probably hadn't been read Cumbria. Publishers often offload their stock to charity shops. I've also purchased lovely new hardbacks for a few pounds.
    A book, some chocolate, good company and a nice dinner. Sounds like a lovely Christmas to me :)
    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) 25/072025
  • beanielou
    beanielou Posts: 96,608 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    HairyHandofDartmoor wrote: »
    Trying to Beanie :). How are you?

    In a word tired.
    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.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    HairyHandofDartmoor wrote: »
    …. I think you're right that no decision makers will be around at the weekend. Have you paid the creditor who said yes yet?

    Sorry, HH. didn't mean to ignore your question:o. I read it, then read a few later posts and forgot to go back to respond.


    Yes, I paid it yesterday afternoon over the phone by debit card:j. I was surprised that I didn't feel as euphoric when the deed was done as I thought I would though. The best moment was when they actually agreed to the offer. Strangely the balance of that debt had changed to zero on my credit file within 48 hours of their acceptance even though I hadn't even paid them:eek:


    I like the way you've got your potential Christmas spending organised:T. I'm sure your family will appreciate their gifts as although you won't be spending much they'll know they've been chosen with thought and care.


    I bet you're the same as me in taking care of your books. When I donate books I've read, especially hardbacks, to a charity shop they still look almost new. I've often donated brand new items too, gifts that I didn't really want or need:o. I'm sure you'll find something really nice in charity shops as gifts for your family. Everybody wins that way:T.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway wrote: »
    A book, some chocolate, good company and a nice dinner. Sounds like a lovely Christmas to me :)

    Yes it could be a lot 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
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