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

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Comments

  • beanielou
    beanielou Posts: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Carboot~~Boo to that pesky creditor.
    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
    Buying for six people is good OBL :).
    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
    Last night we watched 'Muppets Christmas Carol' and tonight it's 'Get Santa'. Both good films :xmassmile
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I don't think we have seen Get Santa will have to look at that one.

    Sounds like a good day today HH and got lots sorted.

    I'm lucky in the sense I only have my 3 smalls to buy for Xmas but I do wish we had a bigger circle of family/friends.

    Hope you get a good nights sleep
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    HairyHandofDartmoor wrote: »

    ..... I think it's more knowing that if I overspend we can't afford to buy food next week :o.

    I really empathise with that, HH. I don't think anyone who hasn't been/isn't in debt or hasn't struggled with a low income can truly understand that constant worry of weighing up every option when shopping or having to pay for anything.


    I'm sure you'll do what's right for your family. You always do:A
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Luckily I dont care who knows that I am skint!

    I don't care either Beanie :) but it's DH's male pride!
    WannabeFree wrote: »
    I don't think we have seen Get Santa will have to look at that one.

    Sounds like a good day today HH and got lots sorted.

    I'm lucky in the sense I only have my 3 smalls to buy for Xmas but I do wish we had a bigger circle of family/friends.

    Hope you get a good nights sleep
    x

    Thanks Wannabe :)
    carbootcrazy wrote: »
    I really empathise with that, HH. I don't think anyone who hasn't been/isn't in debt or hasn't struggled with a low income can truly understand that constant worry of weighing up every option when shopping or having to pay for anything.


    I'm sure you'll do what's right for your family. You always do:A

    Thanks Carboot :). One day I would love to not have that constant worry.
    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
  • beanielou
    beanielou Posts: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yes, to not have the constant worry would just be awesome.
    Anyway going out tonight for a meal with friends.
    Am paying my own like a real grown up :eek: :rotfl:
    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
    beanielou wrote: »
    Yes, to not have the constant worry would just be awesome.
    Anyway going out tonight for a meal with friends.
    Am paying my own like a real grown up :eek: :rotfl:

    Have a lovely time, beanielou:beer:
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    I haven't had much available for me on Prolific recently:( but today it's gone into overdrive:eek:


    I logged in very early this morning and did a £3.50 study. Not too onerous but a bit boring. For that fee I don't mind being bored:rotfl:. I've since done 2 others totalling £1.75 with a potential extra bonus of up to £1.25 if I've opted for the correct judgements in one of them. I love Prolific:j
  • beanielou
    beanielou Posts: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done carboot :j :j
    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.
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