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

[Deleted User]

in_need_of_direction wrote: »

Hey CBC, if you can’t be debt free by year end, you could still be debt neutral.

Thanks, INOD:T

Sounds impressive but I'm not totally sure what it means exactly:o

[Deleted User]

HairyHandofDartmoor wrote: »

I've written all my Christmas cards now and only need about ten stamps, because my stepdad gave me some and I'll hand deliver to the people who live locally :T. It's good to get that chore done. Now I just need to buy a few more stamps and get them posted . My list has dwindled a little too .

Now the decorations are up and the cards are done, my Christmas chores just involve buying, wrapping and posting presents, plus planning, buying and cooking Christmas food.

We're watching 'The Christmas Chronicles' at the moment .

Very impressed by how far ahead you are with your Christmas 'jobs':T:j

[Deleted User]

HairyHandofDartmoor wrote: »

DS3 has been out in London today and tonight. I hope he gets back to campus safely. I'm such a worrier .

Well I'm really tired now, so I think it's bedtime.

Won't be long now before you see him again, HH:j.


I hope you sleep well tonight. I should go to bed myself soon. OH is still watching something on TV and I've been reading a book I picked up in a charity shop recently. It's called The Tattooist of Auschwitz and it's a true story. Unputdownable but not a comfortable read.

[Deleted User]

beanielou wrote: »

Great news on that debt being gone
Remember to update your signature
Hope the others will respond soon.

Yes miss! Signature duly updated:j

[Deleted User]

Thinking of all you marzipan lovers (of which I'm not one:eek:) when I opened Lakeland's latest email given over to their gift hampers. They do a lot of purely marzipan ones, many by Niederegger which is a very famous German maker. Like all hampers, IMO, they are seriously overpriced for the contents inside:(. Lots of lovely things to eat though if you like that sort of thing and have money to [STRIKE]burn[/STRIKE] spare;).

HairyHandofDartmoor

carbootcrazy wrote: »

Yes miss! Signature duly updated:j

Hurrah your debt is so low now :T. You'll soon be on the debt free hall of fame and getting your debt free badge at this rate! I hope you won't abandon us here when that day comes .

HairyHandofDartmoor

carbootcrazy wrote: »

Thanks, INOD:T

Sounds impressive but I'm not totally sure what it means exactly:o

Debt neutral means you have the money set aside to cover your debt (an equivalent amount in savings), even if the debt is not paid.

HairyHandofDartmoor

carbootcrazy wrote: »

Very impressed by how far ahead you are with your Christmas 'jobs':T:j

I'm glad someone is impressed .

carbootcrazy wrote: »

Won't be long now before you see him again, HH:j.


I hope you sleep well tonight. I should go to bed myself soon. OH is still watching something on TV and I've been reading a book I picked up in a charity shop recently. It's called The Tattooist of Auschwitz and it's a true story. Unputdownable but not a comfortable read.

I can't wait to see DS3 again, I've never gone this long without seeing him . I'm hoping he'll come home next weekend :j :j :j :j :j :j :j :j :j :j.

That sounds like a chellenging book but interesting. I think I have more of a need for escapism at the moment while my RL is so challenging .

[Deleted User]

HairyHandofDartmoor wrote: »

Debt neutral means you have the money set aside to cover your debt (an equivalent amount in savings), even if the debt is not paid.

Thank you:T

I guess I'm already debt neutral now then:j. I have enough money squirreled away to pay off the remaining debt in full but the stubbornness in me is making me hold out for F&Fs now I've already paid off so much and am so near the end. I intend to come out of all this frugality with a small victory over my creditors. It will certainly be small now too as they've already had more than their pound of flesh off me:mad:

[Deleted User]

HairyHandofDartmoor wrote: »

Hurrah your debt is so low now :T. You'll soon be on the debt free hall of fame and getting your debt free badge at this rate! I hope you won't abandon us here when that day comes .

Thank you.

No. you won't be getting rid of me:rotfl:. I love visiting this thread as I feel you and your other posters are kindred spirits:A.


When I'm debt free I hope to start a diary like you have:T. I intend to carry on with the frugality although I hope to let myself off the leash a bit occasionally and enjoy a few of the things that I've given up over so many years.


For practically the first time in my life I want to be a saver:o. I know I've been saving this past year but the money has been purely for F&Fs. I think the time has come to be thinking about saving for its own sake not just with an end goal. I think I've just grown up financially:rotfl:. Exciting times ahead:j