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

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nicnak wrote: »
    That's my kind of celebration xx


    Bubbles aand curry :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: 8,257 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Can't beat it!
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sun_Addict
    Sun_Addict Posts: 24,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just read your fab news :) Enjoy your bubbles and curry :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    So sorry to hear it was so stressful but its done now and you are actually debt free :D:D

    Such amazing news and I'm so happy for you that it's sorted. Enjoy your evening and its nice to see you'll be sticking around x
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks SA and HI, I'm definitely going to be hanging around :)

    Mr M microwave curry is amazingly tasty (I never tried it before) so I recomend it. We're watching Fright Night now as it's Halloweenn :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
  • redofromstart
    redofromstart Posts: 5,886 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    So pleased the roller coaster emotion ride is over for oyu, enjoy the celebration.
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

    GNU Mr Redo

  • 117pauline
    117pauline Posts: 743 Forumite
    Part of the Furniture 500 Posts
    Well, there must be huge shenanigans and celebrations in the HHD household.

    It did make my day too. Brilliant news the bank sorted it so quickly.

    And your choice of celebration made me smile. Do you realise how far you have come over your debt fighting time? You chose bubbles and curry from a supermarket - how MSE is that?

    Has your smile slipped yet?
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
  • beanielou
    beanielou Posts: 96,053 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    THanks for the Mr M curry tip.
    I hear they have also started doing fresh pizza too in the bigger stores I think.
    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
    117pauline wrote: »
    Well, there must be huge shenanigans and celebrations in the HHD household.

    It did make my day too. Brilliant news the bank sorted it so quickly.

    And your choice of celebration made me smile. Do you realise how far you have come over your debt fighting time? You chose bubbles and curry from a supermarket - how MSE is that?

    Has your smile slipped yet?
    Pauline

    Thanks pauline. It's still sinking in but I think I'll be smiling for a long time yet :)

    And yes it has been an mse celebration :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Wednesday everyone and happy November :)

    I slept so well last night, I was exhausted but felt relaxed for the first time in ages :D

    Yesterday, apart from becoming debt free :j DH, DS1 and I had our flu jabs. My arm is a little sore this morning.

    We also paid our car tax yesterday. We would have liked to pay for a year and save money, but didn't want to leave ourselves short this month, so just went for six months in the end. Our car insurance runs out on the 12th of this month so we need to find a good deal for that.

    Today is my big weekly food shop so I need to stick to my budget of £74.

    Now that we are debt free I feel very happy and relaxed, but we have a new set of goals and a new journey to go on.

    Our new goals are as follows:

    1. Raise our income.
    2. Save £1000 in an emergency fund.
    3. Save £4000 as a loss of income fund.
    4. Save to get essential work done on the house.
    5. Pay off our mortgage early.
    6. Save a retirement fund so we can afford to retire.

    So as you can see, we have no shortage of goals :D

    Being debt free makes me feel so strong that I feel like I can move mountains from now on :T. DH said he has relaxed for the first time in a very long time, so I hope his health will benefit now from the lifting of the pressure :)
    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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