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

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Comments

  • beanielou
    beanielou Posts: 96,587 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Any chance that one of your DS's could cook one night? Your OH another?
    Sharing the load & all that!
    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.
  • beanielou
    beanielou Posts: 96,587 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Keeping plodding is always good :)

    Dear PAP & I always used to say that.
    I have a papercut with my name & 'Keep plodding' on it :D

    PAP was a MSE friend from a few years ago.
    Then sadly as can be the way she stopped posting :(



    PAP was another MSE friend from a few years
    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.
  • beanielou wrote: »
    Any chance that one of your DS's could cook one night? Your OH another?
    Sharing the load & all that!

    Not a snowballs chance in hell Beanie :rotfl:. The DC would rather eat sandwiches I think and DH would rather focus on earning money. Never mind, it has to be done and I'm used to doing 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 MONTHS
  • beanielou wrote: »
    Keeping plodding is always good :)

    Dear PAP & I always used to say that.
    I have a papercut with my name & 'Keep plodding' on it :D

    PAP was a MSE friend from a few years ago.
    Then sadly as can be the way she stopped posting :(



    PAP was another MSE friend from a few years

    It is good philosophy on life :). Shame PAP stopped posting.
    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: 96,587 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It is good philosophy on life :). Shame PAP stopped posting.

    Yes, i often think of her & hope life has treated her well.
    She so so deserved it.
    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.
  • beanielou wrote: »
    Keeping plodding is always good :)

    Dear PAP & I always used to say that.
    I have a papercut with my name & 'Keep plodding' on it :D

    PAP was a MSE friend from a few years ago.
    Then sadly as can be the way she stopped posting :(

    PAP was another MSE friend from a few years

    It's always so sad when someone we communicated regularly with on MSE and came to see as a friend suddenly 'disappears':(. It happened to me last year, a lovely person who was always there for everyone. I'm quite worried that something awful befell her as she was a regular on other threads too and hasn't logged in to any of them or used her MSE account at all. The last time she posted she was excitedly looking forward to her imminent departure to live in Spain with her DH. I know several Spanish residents who post on here. It's hardly the moon is it?
  • Not a snowballs chance in hell Beanie :rotfl:. The DC would rather eat sandwiches I think and DH would rather focus on earning money. Never mind, it has to be done and I'm used to doing it.

    At least your DH is working hard for his family and cooks on Saturdays to give you a rest:j. I'd rather eat sandwiches myself than trust OH to cook anything:rotfl:. He can just about manage a Cup-A-Soup (which he buys for himself as 'treats':eek:) and toast if ever left to his own devices. Even then the kitchen ends up full of black smoke. Beats me how someone can't master a toaster:rotfl:

  • It will be nice for you when you can get your kitchen done and have a proper cooker again :).

    It's probably the element that's gone on the oven as it's happened twice before. But we can't afford the part and DH can't afford the time to investigate it as he's busy trying to bring in money, so it will have to wait for the time being.

    I don't think we'll ever get our kitchen done:(. As you know, OH doesn't like spending any money. He hardly spends any time in the kitchen, just passes through it or makes the occasional cup of tea or coffee. I don't think he ever looks round and sees the state it's in. While ever he's getting a good meal every evening I don't think he has a clue what a pain it is sometimes to prepare it. It just 'magically appears in front of him:rotfl:. A lot of it's my fault as I love a challenge and being able to cook pretty much the same as we had before but with limited facilities was almost fun at first. Now the novelty's worn off big time and I've come to dread making our evening meals 7 days a week:o
  • When I've recovered from the food shop I'll hunt through the filing cabinet for more statements.

    I'm not convinced that we'll get anything back now, as the Plevin rule may not apply to us and we may have taken out all the PPI before DH was self employed,so it may not have been missold :(. Knowing our luck we'll get nothing :( but I won't know if I don't try I suppose.

    Please don't get discouraged, HH:kisses3:. You've come so far with this already. Give it a try, what do you have to lose? You might be very pleasantly surprised by what comes of it:T


    Who was it on here said 'Who dares Wins'?. It's often very true!
  • I love a challenge and being able to cook pretty much the same as we had before but with limited facilities was almost fun at first. Now the novelty's worn off big time and I've come to dread making our evening meals 7 days a week:o

    Would it be possible to say exactly that to him ?
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