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

Onebrokelady

I reckon I would last quite a while though:rotfl: it was last year that I went to the shop on the way home from work to buy bread but could only buy steamed sponge puddings so I bought them in desperation:rotfl:

HairyHandofDartmoor

Onebrokelady wrote: »

I reckon I would last quite a while though:rotfl: it was last year that I went to the shop on the way home from work to buy bread but could only buy steamed sponge puddings so I bought them in desperation:rotfl:

So you do have experience of living off cake alone :rotfl:. Were you Marie Antoinette in a previous life? :rotfl:

Onebrokelady

HairyHandofDartmoor wrote: »

So you do have experience of living off cake alone :rotfl:. Were you Marie Antoinette in a previous life? :rotfl:

Possibly :rotfl:

HairyHandofDartmoor

We had our annual mortgage statement today and we now owe around £40,500. We've got nine years left to run on it. If we hadn't had to pay off our debts we could have used the pension money to pay off the mortgage . So I have regrets. Still I know it's a lot less than some people owe. We're on a repayment mortgage and there's no penalty for overpaying or paying it off early. It's pity we can't afford to do either at the moment.

We also need a lot of work done on the house. It needs re-rendering and painting front and back, the fascias and some of the guttering needs replacing, the two bay windows at the front need replacing, we need a new bathroom (including tiles), and the flooring needs replacing.

I reckon just the re-rendering and painting would cost ten grand . I dread to think how much the rest would cost . I'm not sure how we'll ever afford to get the work done and it does worry me a bit. But maybe our circumstances will improve one day.

beanielou

So so hoping things change for you for the better really soon.
At least you are debt free :j :j

HairyHandofDartmoor

Thanks Beanie, yes being debt free is an amazing thing .

please-let-me-be-lucky

We had to have one side of our house re rendered when we had the roof replaced and some of the wall needed rebuilt. It was a special kind of render which dried the colour we wanted, so no painting necessary. It wasn’t as expensive as I thought it would be Xx

HairyHandofDartmoor

That's interesting Lucky. We haven't had a quote, that was just my guesstimate of what it might cost. Scaffolding is always a big part of the cost.

We can't afford any of it yet, but hopefully one day...

MadamMim2013

HairyHandofDartmoor wrote: »

We had our annual mortgage statement today and we now owe around £40,500. We've got nine years left to run on it. If we hadn't had to pay off our debts we could have used the pension money to pay off the mortgage . So I have regrets. Still I know it's a lot less than some people owe. We're on a repayment mortgage and there's no penalty for overpaying or paying it off early. It's pity we can't afford to do either at the moment.

We also need a lot of work done on the house. It needs re-rendering and painting front and back, the fascias and some of the guttering needs replacing, the two bay windows at the front need replacing, we need a new bathroom (including tiles), and the flooring needs replacing.

I reckon just the re-rendering and painting would cost ten grand . I dread to think how much the rest would cost . I'm not sure how we'll ever afford to get the work done and it does worry me a bit. But maybe our circumstances will improve one day.

Here’s hoping that lots of your PPI claims come back with enough to help you do the work on the house.. or pay a chunk off the mortgage .. or both!! I shall cross all for big chunk of refund cash coming your way!

beanielou

MadamMim2013 wrote: »

Here’s hoping that lots of your PPI claims come back with enough to help you do the work on the house.. or pay a chunk off the mortgage .. or both!! I shall cross all for big chunk of refund cash coming your way!

This.Just this.