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

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  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    So glad Friday is sorted for you HHOD.

    Really hope BIL is recovering well xx
    Mummytogirls x

  • Thanks Nicnak and MTG.

    The fridge and freezer are virtually empty so I had to cobble a meal together from a weird selection of leftovers :D. Luckily it's food shop day tomorrow.

    I'm not sure if DS2 is coming to visit BIL with us (he's thinking it over) and DS3 is now saying it depends upon college deadlines. So I'm not sure how much food to buy tomorrow. I'll probably get the same amounts of frozen and dried goods, but cut back a bit on the fresh stuff.
    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
  • Hope you hear soon re your BIL - worrying for you and OH. Lovely though that you’ve a nice treat meal to look forward to.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Thanks SSG.
    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
  • System
    System Posts: 178,363 Community Admin
    10,000 Posts Photogenic Name Dropper
    Am sure you and Mr HHOD will be ok at brothers , at least Friday is sorted . They sound like very generous people. I am sure if you had prior notice that you would be travelling you would have. budgeted for it and all spends needed. This is where a EF comes in handy , so maybe that should be your first debt free goal. I think you did mention this before though.

    Hope BIL is starting his recovery and you have news soon.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Thanks Cumbria. Yes an emergency fund is our top priority at the moment, followed by a loss of income fund. It will take time to build them up but I am very determined :)
    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've just realised that we have been debt free for a whole week :beer::j:T
    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: 96,101 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I've just realised that we have been debt free for a whole week :beer::j:T

    :j :j :j :j :j
    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.
  • Wow! That's gone really quick x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • We kept waking up feeling cold in the night and low and behold there was frost on the windows this morning :eek:. So I'll need to put the winter duvet on our bed today. I must ask the DC if they were cold last night.

    Today is my big Mr T shop with my usual budget of £74. I want to buy some bottles of drink and snacks for the journey (to avoid buying anything en route), but as at least three of us are going to be away for three nights soon, we should need a bit less of everything else. It's going to be hard to get that balance right :o.

    We've also got to try and get ahead with work for customers before we go away. Plus I've been so busy washing towels and bath mats that we're running out of clean clothes :eek:, so much laundry will need doing today.

    DS2 has decided to clear out his pig sty, I mean room, and twenty full black bin liners have appeared outside the back door :eek::mad:. They'll have to go to the tip but we won't have time until we get back. I hope they don't attract rodents in the meantime :(.

    Have a lovely Wednesday everyone :).
    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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