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
Comments
-
HairyHandofDartmoor wrote: »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.
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:TIf 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) 25/0720250 -
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 McGee0
-
Fantastic news.
So very pleased for you :j :j :j
Thanks Beanie.
doingitanyway wrote: »So pleased for you. Just perfect. 2019 will be a turnaround year for you. Congratulations :T:T
Thanks DIAI 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 MONTHS0 -
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 MONTHS0 -
well done, you will nail this courseMortgage 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.0
-
in_need_of_direction wrote: »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 MONTHS0 -
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.”0 -
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 MONTHS0 -
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
PaulineDon't get it perfect - Get it goingBetter Than Before0 -
HairyHandofDartmoor wrote: »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.
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.Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8940
Confirm your email address to Create Threads and Reply

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