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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Thank you Sally
. It's interesting to get different view points on the situation. I accept that it was bound to happen at some point, and it's not wrong for it to happen. But I do feel it's too soon and that's what I find the most disturbing thing about it. But it's out of my control so I have to accept it and move on with my life.
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 -
caught up, this thread moves fast. i love how daisy expressed herself, i can only concur.
btw, am i the only one who finds it funny that bad memory supplied the ppi date?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.0 -
Have a good night's sleep, HH. Hope you feel a little better tomorrow.0
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I hope you’re feeling better from your cold, and that rest sounds like an excellent idea for your wellbeing! I concur wholeheartedly with Daisy and Carboot re your stepdad, HHOD. I agree that it’s very quick but as they’ve both mentioned, there are several reasons why your stepdad may want to start seeing someone a little sooner than expected. Would it help if you met him and his new ‘friend’ for a coffee one day? I completely understand if it would feel too strange to see another woman with your stepdad at this point in time, but it might lead to a open discussion with him? He may also be feeling guilty about his loneliness since your mum’s passing, and a coffee chat might help him to feel better as well as providing you with some clarity?
That’s just my two pennies though, the decision is entirely yours and you should do what you feel comfortable with.
Thank you for your kind comments regarding my diary though, and you too carbootcrazy — in my case I have dogs and am currently on a much lower income than I should ordinarily be. Although this reduced income is temporary, it’s been “suggested” that I rehome them, even though they’re part of my family and beneficial to my mental health.I could probably pay off my debts quicker if I didn’t have dog-related expenses to pay, IYSWIM, which is why I’m a bit nervous about posting a diary, but I’d prefer to be happily poor instead of miserably rich
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in_need_of_direction wrote: »
btw, am i the only one who finds it funny that bad memory supplied the ppi date?
I do now :rotfl::rotfl::rotfl:22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'0 -
I've spent ages responding to your (HH) question about how I managed to cook without a cooker or microwave, and tantaraza's comment about being advised to rehome her dogs but both posts completely disappeared:mad::mad::mad:. No idea why and can't find them anywhere to repost. Sorry.
Will be back later. I hope everyone has a good day and that you're feeling a lot better this morning, HH, after a good night's sleep. It was so cold here last night and when the outside security light came on a few minutes ago (probably a visiting cat crossing the garden and triggering the beam) I could see that the grass is completely white with frost and my car windscreens are very iced up:eek:. Got to pop out as soon as the Post Office is open so must get the scraper and my gloves ready:(. I put the heating on as soon as I got up at 6 o'clock. No protest so far from OH but he hasn't come downstairs yet so might not even realise yet that it's on;)0 -
Thank you for your kind comments regarding my diary though, and you too carbootcrazy — in my case I have dogs and am currently on a much lower income than I should ordinarily be. Although this reduced income is temporary, it’s been “suggested” that I rehome them, even though they’re part of my family and beneficial to my mental health.I could probably pay off my debts quicker if I didn’t have dog-related expenses to pay, IYSWIM, which is why I’m a bit nervous about posting a diary, but I’d prefer to be happily poor instead of miserably rich
tantaraza I can see how an entirely fiscal decision would be to rehome however that would be akin (imho) to having to put one, or more, of your children into the workhouse as you can no longer afford them - perfectly rational monetary decision but oh how heart breaking. And yes there are sometimes very hard decisions that have to be made however it doesn't seem as if you are 1) at that level of poverty and 2) you have a light at the end if the tunnel so you know this is temporary. So I would say, go for a diary, put as much info on there as you want, be a tiny bit prepared for people to give you advice that might be perfectly sensible in and of itself but just not suitable for you but dont take it personally. As with all diaries, we commenters dont know all the hard facts, we dont know all the 'soft' facts, we all read things differently, we all pick up on different phrases and sentences in someone's post however in the main I've found people on DFW and mfw to be simply trying to help. It's up to you which comments you respond to, which you take on board, which you mull over and adapt to your own circumstances etc etc so dont be put off.
Daisy xx
(Ps you can see by my pic which side of the fence I would be on in the above dog debate however I would give the same opinion if it was cats, or spiders, or monkeys that you had. Or spider monkeys - pets are important in my view)22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'0 -
Hi HHD,
Just caught up on you diary and just sending you a supportive hug:)0 -
in_need_of_direction wrote: »caught up, this thread moves fast. i love how daisy expressed herself, i can only concur.
btw, am i the only one who finds it funny that bad memory supplied the ppi date?
Thank you INOD. It's me blathering on makes it move so fast.
daisy_1571 wrote: »I do now :rotfl::rotfl::rotfl:
I do find it funny now you've pointed it out :rotfl: :rotfl: :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 MONTHS0 -
elizabethhull wrote: »Have a good night's sleep, HH. Hope you feel a little better tomorrow.Hi HHD,
Just caught up on you diary and just sending you a supportive hug:)
Thank you both.
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
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