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

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Comments

  • Have a lovely day HH

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • 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:

    It's good pretending to be a grown up sometimes ;).
    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
  • 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
    Good for you :j. I've been busy all morning but PA's been a bit quiet for me the past few days. Strange how it varies.
    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
  • Have a lovely day HH

    x

    Thanks Wannabe :).
    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
  • Good for you :j. I've been busy all morning but PA's been a bit quiet for me the past few days. Strange how it varies.

    I Agree. PA's been rubbish for me for over a week until today.

    Has your YouGov money come yet?
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 December 2018 at 4:08PM
    I have exciting news :j I enrolled on a course this morning :j.

    It's a part time NVQ course which will help me become a qualified teaching assistant. The school asked me if I was going to do a course and I said I'd like to do one, but wanted their advice. So the teacher suggested the training provider they use and they happened to be holding an enrolment morning today! So I went along and enrolled :T.

    It took all morning and I had to do an IT, English and maths assessment :eek: :eek: plus fill in a hundred forms!

    Apparently the hardest thing is getting a school placement, but as I've already been volunteering for a year they were willing to support me. The teacher said you're here anyway so you may as well benefit :D.

    Best of all the course is free as I'm on a low income. I'm really pleased and excited :T :T :j :j :T :j :T :j. The course starts in January.
    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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 14 December 2018 at 4:17PM
    …...because she is doing her no spend challenge next year we have agreed on no presents for birthdays but for Xmas we are going to buy each other a book and that is it next year

    Intrigued by the No Spend Challenge your daughter plans to do next year. Is it a MSE challenge or something that she's organising for herself? Would appreciate a few details if you have a minute sometime. Thanks x


    I've read a couple of books recently where the authors have spent nothing (over and above absolutely essential living costs) for a year and I plan to try something similar myself next year. I'd have more money if I stopped spending money on books about how not to spend money:rotfl:. I bought these 2 in a charity shop in the 2 for £1 section but all these little spends add up over time:eek:
  • I have exciting news :j I enrolled on a course this morning :j.

    It's a part time NVQ course which will help me become a qualified teaching assistant. The school asked me if I was going to do a course and I said I'd like to do one, but wanted their advice. So the teacher suggested the training provider they use and they happened to be holding an enrolment morning today! So I went along and enrolled :T.

    It took all morning and I had to do an IT, English and maths assessment :eek: :eek: plus fill in a hundred forms!

    Apparently the hardest thing is getting a school placement, but as I've already been volunteering for a year they were willing to support me. The teacher said you're here anyway so you may as well benefit :D.

    Best of all the course is free as I'm on a low income. I'm really pleased and excited :T :T :j :j :T :j :T :j. The course starts in January.

    Great news on all fronts. Couldn't be happier for you:j. I bet you took the assessments in your stride and passed with flying colours. Onwards and upwards for you from now on:beer:
  • Great news on all fronts. Couldn't be happier for you:j. I bet you took the assessments in your stride and passed with flying colours. Onwards and upwards for you from now on:beer:


    Thanks Carboot :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
  • beanielou
    beanielou Posts: 96,486 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fantastic news.
    So very pleased for you :j :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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