We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

15895905925945951551

Comments

  • doingitanyway
    doingitanyway Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    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.

    So pleased for you. Just perfect. 2019 will be a turnaround year for you. Congratulations :T:T
    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
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's brilliant news about the course :T :T :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • beanielou wrote: »
    Fantastic news.
    So very pleased for you :j :j :j

    Thanks Beanie :).
    So pleased for you. Just perfect. 2019 will be a turnaround year for you. Congratulations :T:T

    Thanks DIA :) I really hope so!
    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
  • jwil wrote: »
    That's brilliant news about the course :T :T :T

    Thanks Jwil :).
    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
  • well done, you will nail this course
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • well done, you will nail this course

    Thanks INOD :). I'm looking forward to starting 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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Amazing news HH I'm so happy for you

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Amazing news HH I'm so happy for you

    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
  • Hi HHD

    I love reading someone's diary when they have good news. It is serendipity!

    I know 2018 has been one of your most difficult years. It will get more bearable although there will be those "tender" areas.

    Regarding the difficulty of getting payment for work done - I rent out my old house and I got a phone call at 6.30pm from the tenant telling me the shower wouldn't turn off. I phoned the plumber and he will go out there later. He did say it was because I always pay their invoices immediately!

    You actually sound quite organised for Christmas. I imagine you can't wait to have all your little ones (yes, I know they aren't little) under your roof again.

    I'm flying back on Monday so I am in house tidy mode. Why does it make me feel so much better that I have cleaned up, changed bed etc etc? Perhaps I will feel more Christmassy when I get back.

    Take care honey, such great news about the course
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
  • 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.
    Wow Hairy this is amazing news,I'm so pleased for you well done, the volunteering certainly paid off there,I did an NVQ as on the job training so was paid my normal wage, will you get paid for yours or not
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.9K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.1K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.5K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.