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

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Comments

  • Willowtree222
    Willowtree222 Posts: 8,314 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds like you have done loads. If the book is needed then you'll need to have it. How is it all going? x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou
    beanielou Posts: 96,969 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, that is a BIG increase in the price of the sawdust.
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Nicnak wrote: »
    Sounds like you have done loads. If the book is needed then you'll need to have it. How is it all going? x

    Thanks Nicnak the course is going well so far :).
    beanielou wrote: »
    Blimey, that is a BIG increase in the price of the sawdust.

    Yes it is :mad: I think I'll have to source it from somewhere else.
    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
    We've had three PPI replies which is quick. Nothing to get excited about yet though sadly.

    Am3x said they had no record of DH having PPI, so unless we have a letter signing up for it or a statement with it on then they won't take the complaint any further. Well we don't have either of those and we probably never had it with them anyway, so we'll cross them off the list.

    My catalogue and our mortgage provider both sent forms for us to fill in so they can investigate it further. So at least we can move onto the next stage with them.

    We're not convinced that we had PPI with either of the three that have replied today, so we'll cross Am3x off the list and fill in the forms for the other two just in case, but there are plenty more to go yet.
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I'm sure something will come up trumps with regard to the PPI. I put my CC claims through on Friday. Got a feeling that there's nothing to come back but one has got to try!

    How long does your course last?
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Seasidegal58 wrote: »
    I'm sure something will come up trumps with regard to the PPI. I put my CC claims through on Friday. Got a feeling that there's nothing to come back but one has got to try!

    How long does your course last?


    We've got nothing to lose by trying SSG :). The course lasts for nine months so it's not too bad.
    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: 178,378 Community Admin
    10,000 Posts Photogenic Name Dropper
    At least you know your work has been acknowledged, even if you don't get good news . I am sure one will turn up trumps .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Cumbria I really hope so! For now I'd just settle for the tax rebate :mad:.
    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
    We watched a programme called Consumed on N3tflix and I suggested to DS1 that we look through his hoody and trouser drawers. Another big bag has been set aside for the charity shop so I'm pleased with that :). All the clothes in his drawers are items that he actually wears now. I also found a pair of trousers of mine that I don't like, so they've been added to the charity pile.

    It still feels like a drop in the ocean compared to our clutter (although we're nowhere near as bad as the people on the programme) but I'm trying to take the 'how do you eat an elephant' approach.

    The furry moron has a clean cage, the laundry is all hung up to dry and DH is cooking lentil curry. Time for me to relax :).
    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
  • Willowtree222
    Willowtree222 Posts: 8,314 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Enjoy relaxing.

    You're all on decluttering missions and I really do feel like I need to do Charlotte's toy drawers. I will do that over the next few week. It's her birthday soon and we have no space for anything else.

    Good luck with the PPI. You just never know. I am happy my sister got so much. I have only ever had a few hundred, but I guess that is better than nothing. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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