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

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  • I had volunteering this morning and it was freezing walking there! It took twenty minutes for my face to defrost :eek:. I had a great morning, it's definitely my happy place :).

    I've volunteered to go in on Monday mornings now in addition to my Thursday and Friday mornings, to increase my experience. I also want more time in my happy place to get away from negative energy to do with stepdad's new relationship and missing my mum. I'll still have plenty of time to do my course and my coursework. I must remember to order the course book!

    I'll need more clean ironed clothes if I'm going in three days a week, so with that in mind I've put a wash on and will do some much needed ironing this afternoon :A.
    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: 96,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I laughed, and then remembered there are 8 giant tubes bought for pennies and hidden in the plastic box snack stash. Yum.

    Lucky you :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.
  • beanielou
    beanielou Posts: 96,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great idea to add another day to your volunteering when you like it so much :)
    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.
  • Thanks Beanie it feels like the right thing to do :).
    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
  • EssexHebridean
    EssexHebridean Posts: 24,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Tomorrow I have volunteering and in the afternoon I'm looking forward to NOT having to do PPI claims or a VAT return :rotfl:. Instead I can catch up on housework and laundry.

    You know how to live HH! :rotfl::rotfl:

    No stockpiling here - in fact I have the kernel of a February challenge that might be just the opposite! :rotfl:
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • I've ironed a shirt for DH plus four tee shirts and some trousers for me to wear at volunteering. That should see me through tomorrow and all of next week :D.

    DH is getting up at silly o clock tomorrow to go to a business networking event so he's bound to wake me up and then I won't be able to go back to sleep before my alarm goes off. He does this once a month and that's usually what happens :mad:.

    I feel really tired now, I don't know if it's the cold, dark, rainy weather, or a slightly tiring week. Either way, I'll be glad of a relaxing day on Saturday.

    The pension money isn't in yet :(. We're not really expecting it before Friday, but that doesn't stop us being disappointed that it's not in today :o.
    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
  • You know how to live HH! :rotfl::rotfl:

    No stockpiling here - in fact I have the kernel of a February challenge that might be just the opposite! :rotfl:
    I do know how to live, I lead a very glamorous and exciting life :rotfl: :rotfl: :rotfl:.

    I'm going to try very hard NOT to stockpile next time I go food shopping :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 31 January 2019 at 7:00PM
    In good news DH's networking event has been cancelled because of the weather so I won't have to be woken up at silly o'clock :T.

    The bad news is that it's snowing :eek:. I think it's only snowed about four times in the 26 years that I've lived here! If it stays cold overnight then it may still be around in the morning. I hope the school doesn't close. It's only a light dusting (at the moment) so hopefully it will be open.

    DH will want to stay at home tomorrow if it snows as he hates driving in the snow. Luckily he can as he works from home and I always walk to volunteering :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
  • I find it really odd that you all have snow down south and here there is absolutely none. We do have temperatures of -10 though :eek: Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • I find it really odd that you all have snow down south and here there is absolutely none. We do have temperatures of -10 though :eek: Xx

    I agree that is odd :rotfl:. It's much warmer than that here. I wonder why we have snow and you don't? :huh:
    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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