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

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 23 December 2018 at 6:12PM
    An update on my Christmas chores list and a few things crossed off the list. Anything that doesn't get done today will need to be done tomorrow!


    PRE CHRISTMAS CHORES

    1 Wash shower curtain - DONE
    2 Bleach shower curtain - DONE
    3 Rinse and hang shower curtain - DONE
    4 Spray mould remover on shower tiles - DONE
    5 Clean wash basin - DONE
    6 Clean cooker
    7 Clean kitchen sink
    8 Empty kitchen bins - DONE
    9 Empty bathroom & toilet bins
    10 Hoover lounge
    11 Hoover hall
    12 Hang up Christmas cards on ribbons
    13 Tidy lounge - PARTIALLY DONE
    14 Get rid of packaging - DONE
    15 Wrap last two presents
    16 Sort out hoover
    17 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
  • Isn't it funny how we all go md cleaning before Christmas, I've been at it all day but have now finished thank god,it had to be finished today because I'm at work tomorrow
    I hope you find time for some down time while working your way through your list,do overdo it and wear yourself out
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Thanks OBL :). I'll relax tonight with a Christmas film. Especially now I've found the Christmas dvds :T. I'm torn between Home Alone and Die Hard for tonight. We always watch Elf on Christmas Eve :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
  • I feel like we've had a productive day today :beer:.

    We've done the scheduled work on my business :T. During times when DH was doing stuff I couldn't help with, I've done almost half of my pre Christmas chores :T. And DS1 has had a friend around :T.

    Now I just need to shower and cook, and then we can relax with a Christmas film :).
    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 feel really tired now. I hope I haven't overdone it. I've been working from 9am until 5.30pm on either my business or housework today. Plus I had a hectic day on Saturday and Friday. I think an early night is called for.

    I think tomorrow I feel like having a restful day, finishing off my chores list, watching Christmas films and relaxing, rather than going out anywhere. Then I can feel rested ready for all the Christmas cooking.
    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: 96,465 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    No wonder you are tired.
    You have been a very busy bee.
    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.
  • 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.”
  • beanielou
    beanielou Posts: 96,465 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sweet dreams :)
    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.
  • Hope your Christmas Eve plans come together nicely. The sun is just breaking through the clouds here so we will be off for a gentle stroll in a bit.
  • Lots on at the moment and the next few days although not Christmas-related. Just zooming in while I have a free few spare minutes to wish you, HH, and all your family a wonderful and memorable Christmas. I know it won't be the same without your Mum but you've worked so hard to make it a really good one for DH and your boys and I'm sending lots of hugs and warm wishes your way:beer::xmastree::santa2:.



    It goes without saying that I hope all the lovely people who post on HH's diary have a really enjoyable time however and wherever you spend your Christmas. I hope Santa brings you everything you wish for:beer::xmastree::santa2:.
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