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

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  • beanielou
    beanielou Posts: 96,465 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I'm okay thanks Beanie apart from a sore foot :o. My bedroom is full of Christmas food and presents so is much more cluttered than usual.

    My bedroom is just a tip.
    I hope my friend who is looking after the cats does not look in there.
    Also added to the fact that I am now finding my so called light weight hoover too heavy & it does not pick up properly.
    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.
  • I hate hoovering :(. My hoover is seeping dust all the over the cupboard at the moment :mad: so I think the bag needs changing. I want DH to do it because I'm allergic to dust.
    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 Hairy,

    Lovely to read you had your Saturday Saunter and costalott. I'm lucky that little one still can't reach any of the foods so she isn't able to get stuff without me! When she is older, I might invest in a safe too!

    x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • My bedroom also contains the Santa stash. It’s a bit ridiculous given the beneficiaries are nothin their 30s
    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.
  • Nicnak wrote: »
    Hi Hairy,

    Lovely to read you had your Saturday Saunter and costalott. I'm lucky that little one still can't reach any of the foods so she isn't able to get stuff without me! When she is older, I might invest in a safe too!

    x

    You'll probably need one :rotfl:.
    My bedroom also contains the Santa stash. It’s a bit ridiculous given the beneficiaries are nothin their 30s

    But still not to be trusted near Christmas treats :rotfl:.
    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
    edited 23 December 2018 at 3:26PM
    Today we're working on my business all day. But during breaks I'm trying to fit in a bit of pre Christmas tidying up.

    DS1 has a friend around so he tidied the living room before they came :T.

    I've finally managed to locate the Christmas dvds which were buried in the void :j. I've washed the shower curtain and it's soaking in a bucket with a whole bottle of value bleach. It always comes out looking like new after that :).

    I've also made a list of housework and chores that needs doing before Christmas and it's looking frighteningly long :eek:.
    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
    edited 23 December 2018 at 3:27PM
    PRE CHRISTMAS CHORES

    Wash shower curtain DONE
    Bleach shower curtain DONE
    Rinse and hang shower curtain
    Spray mould remover on shower tiles
    Clean wash basin
    Clean cooker
    Clean kitchen sink
    Empty kitchen bins
    Empty bathroom & toilet bins
    Hoover lounge
    Hoover hall
    Hang up Christmas cards on ribbons
    Tidy lounge PARTIALLY DONE
    Get rid of packaging
    Wrap last presents
    Sort out hoover
    Find Christmas dvds DONE
    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
  • PRE CHRISTMAS CHORES

    Wash shower curtain DONE
    Bleach shower curtain DONE
    Rinse and hang shower curtain
    Spray mould remover on shower tiles
    Clean wash basin
    Clean cooker
    Clean kitchen sink
    Empty kitchen bins
    Empty bathroom & toilet bins
    Hoover lounge
    Hoover hall
    Hang up Christmas cards on ribbons
    Tidy lounge PARTIALLY DONE
    Get rid of packaging
    Wrap last presents
    Sort out hoover
    Find Christmas dvds DONE

    Oh this list reminds me of the ones on 2 sheets of lined A4 paper that I and the girls would work through before Xmas. At the time we had family occupying every room, incl OH & I on sofa-bed in lounge and DB and his wife in sleeping-bags in the dining-room.
    Each girl shared their room with a female relative and our bed went to my parents. OH has a small study which was re-purposed as a dressing-room. With only one bathroom, couldn't have people wasting time getting dressed in there !!

    I daresay other people were/are more up-to-date with their normal housework than I was or ever shall be but actually the 3 of us enjoyed it. They could pick their tasks, and every 3rd job were 'required' to eat a satsuma, give me a hug or run up & down the stairs !!

    The food to cook occupied another sheet to itself, but that's pleasure for me.

    You look to be very well on with the preparations.
  • beanielou
    beanielou Posts: 96,465 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is some list!
    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.
  • Oh this list reminds me of the ones on 2 sheets of lined A4 paper that I and the girls would work through before Xmas. At the time we had family occupying every room, incl OH & I on sofa-bed in lounge and DB and his wife in sleeping-bags in the dining-room.
    Each girl shared their room with a female relative and our bed went to my parents. OH has a small study which was re-purposed as a dressing-room. With only one bathroom, couldn't have people wasting time getting dressed in there !!

    I daresay other people were/are more up-to-date with their normal housework than I was or ever shall be but actually the 3 of us enjoyed it. They could pick their tasks, and every 3rd job were 'required' to eat a satsuma, give me a hug or run up & down the stairs !!

    The food to cook occupied another sheet to itself, but that's pleasure for me.

    You look to be very well on with the preparations.


    Your Christmases sounded hectic but a lot of fun :).
    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
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