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

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  • Well DH and I have have done some work on my business, I've put some laundry on to wash and cleaned the sink, as well as cleaning out the furry moron earlier. I've just put the chicken in the oven. So not a completely unproductive day.

    I don't like days at home but felt too tired to go out that's the trouble :o.

    Anyway tomorrow is another day and at least it's been a NSD :T.
    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
  • Hope you pep up soon HH. Go with it, sometimes it is ok to feel a bit down :)

    Thanks DIA :). I expect I'll feel better tomorrow.
    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
  • Hello HHD, I've been lurking for ages and wanted to say how much I admire you and your journey. Good luck with your job search. I have reinvented myself at the ages of 33, 40 and 52 respectively after major setbacks. You can and will do it!
    With family, friends and pets (or any combination of them) life will be fine!


    Emergency fund £2474 post cat wee catastrophe!

    Fashion on the Ration 55 coupons available in 2022
  • Hopefuljoy wrote: »
    Hello HHD, I've been lurking for ages and wanted to say how much I admire you and your journey. Good luck with your job search. I have reinvented myself at the ages of 33, 40 and 52 respectively after major setbacks. You can and will do it!

    Thank you for delurking Hopeful and for posting such inspirational words :).
    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
  • Tomorrow is always another day. Something brighter has to be on the horizon for you. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Someone mentioned making cookies which got me to thinking if you’re not crafty (neither am I) how about home made food gifts like biscuits, toffee, jam, chutney etc? Also really go along with the “proper” hand cream which can be much cheaper than fancy stuff when on offer. Also, eBay is brilliant for some cheap items eg just bought someone a little pocket diary I know they’ll want and love for £1.49 including postage.
    SF
    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

  • doingitanyway
    doingitanyway Posts: 10,379 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    The other great thing about hand cream and food stuffs is they are consumables. As IKEA recently said 'we are at peak stuff'
    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
  • Sallyforth wrote: »
    Someone mentioned making cookies which got me to thinking if you’re not crafty (neither am I) how about home made food gifts like biscuits, toffee, jam, chutney etc? Also really go along with the “proper” hand cream which can be much cheaper than fancy stuff when on offer. Also, eBay is brilliant for some cheap items eg just bought someone a little pocket diary I know they’ll want and love for £1.49 including postage.
    SF
    The other great thing about hand cream and food stuffs is they are consumables. As IKEA recently said 'we are at peak stuff'

    Thanks for the ideas both of 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
  • Thank you OBL that's really nice of you to offer. I've got a feeling my relatives may have read the Dan Brown already as most of them are readers, so I was going to look for something a bit unusual that they're unlikely to have bought for themselves, iyswim. I really appreciate the offer though :).

    I think I'm just tired. A restful day will probably do me good.
    No problem,it will go to the charity shop with the others when I eventually get round to taking it, I hope you feel better tomorrow xx
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Thanks OBL :).

    My Fitbit strap broke on Friday to add to the bad news :(.

    But finally one piece of good news, DH has managed to fix my pc this morning :T. Isn't he clever? He opened it up and fiddled with the innards and now it's working :T. Massive massive relief. Now I can spend all day printing out stuff for the accountants.

    Now I just need a job offer and DH needs a lucrative contract for his business, and then Christmas won't be a complete disaster :o.

    I slept heavily all night so hopefully that will make me less tired. I do think the stress has a lot to do with it.
    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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