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

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Comments

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DrSpendLittle wrote: »
    ::T Yay!!! :T Congratulations HHOD!

    Thanks DrSpendLittle :).
    Verbatim wrote: »
    Late to the partybut I saw all the claps on the last page and wondered if it would be ppi or a job. Had to go back and read from where I'd left off. Massive congratulations HH and I hope it leads to everything you hope for. Do you think your starting the course helped? Shows you are committed perhaps?
    Have a good rest over half term.

    Thanks Verbatim :). I think because I've been volunteering for a year which has shown I'm reliable and get on well with people, plus starting the course too have both helped me to get the job :).
    Cumbria_lass wrote: »
    Just a thought , can you still do the course you have started ?

    Yes I can still do my course luckily. The job is lunchtimes (no prizes for guessing what it is!) and my course is one morning a month, so I can still do my course and my volunteering in the classroom :).
    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
    The pay is just over £200 a month (not sure if there'll be any deductions) so not a fortune, but it will be very helpful indeed for contributing towards bills and other expenses :).
    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
  • Munchin
    Munchin Posts: 2,816 Forumite
    Part of the Furniture 1,000 Posts Photogenic Debt-free and Proud!
    Well done HHD :T
  • please-let-me-be-lucky
    please-let-me-be-lucky Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Absolutely thrilled for you Hairy! Congratulations :j Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • beanielou
    beanielou Posts: 96,734 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    HairyHandofDartmoor wrote: »
    The pay is just over £200 a month (not sure if there'll be any deductions) so not a fortune, but it will be very helpful indeed for contributing towards bills and other expenses :).

    At this level there should be no deductions.
    200 quid is not to be sniffed at :)
    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.
  • MadamMim2013
    MadamMim2013 Posts: 961 Forumite
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    Whoop whoop.. did a little jig round the kitchen (DS1 was laughing at me:rotfl:) when I read your excellent news!
    Congratulations, it’s well deserved.. Onwards and upwards for you HH :T:j:T
    "There's a little witch in all of us"🔮🪬🧿
    DEBT FREE 06/2018
    Mrs SD’s Decluttering 2025 ⭐️ 🥇🥇🥇
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Munchin wrote: »
    Well done HHD :T

    Thanks Munchin :).
    please-let-me-be-lucky wrote: »
    Absolutely thrilled for you Hairy! Congratulations :j Xx

    Thanks Lucky :).
    MadamMim2013 wrote: »
    Whoop whoop.. did a little jig round the kitchen (DS1 was laughing at me:rotfl:) when I read your excellent news!
    Congratulations, it’s well deserved.. Onwards and upwards for you HH :T:j:T

    Thanks MadamMim :).
    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
    beanielou wrote: »
    At this level there should be no deductions.
    200 quid is not to be sniffed at :)

    That would be good then :).
    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
  • redofromstart
    redofromstart Posts: 5,947 Forumite
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    Shouldn't be any deductions, but you may need to split your tax code. Talk to your accountant! You will probably get emergency taxed at 20% but you should get it back quickly, especially at this end of the tax year.

    Also, if it's term time only it may be equated pay - 39 weeks pay plus x weeks holiday pay, divided by 12 months to give a monthly salary. Worth considering the pension too, especially if it is a local government defined benefit pension scheme. Some of them have a 50/50 option were you get a reduced return for a lower contribution, but those kind of schemes are rarely available outside of the public sector. I look after a few outsourced people in those schemes, they pay 5%, we pay over 30%!
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • Sallyforth
    Sallyforth Posts: 601 Forumite
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    Amazing news HH - still haven’t worked out how to post emojis so tons of clinking glasses and jumping up and down from me!
    I felt sure you’d get the job and you did yay!
    Sally x
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

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