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

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Comments

  • System
    System Posts: 178,374 Community Admin
    10,000 Posts Photogenic Name Dropper
    Well done on finishing the assignment today , it's out of the way now .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on getting it finished :)

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Great news on the assignment! Now relax for a bit!:D

    What a faff over the flights for DS2!:eek: So pleased though that his refund sounds like a smooth process.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Well done on finishing the assignment today , it's out of the way now .

    Thanks Cumbria :).
    Well done on getting it finished :)

    x

    Thanks Wannabe :).
    Great news on the assignment! Now relax for a bit!:D

    What a faff over the flights for DS2!:eek: So pleased though that his refund sounds like a smooth process.

    Thanks SSG :). Yes it's good he's going to get a refund. He needs to hurry up and book new flights now to fit in with his hostel bookings and train bookings :eek:. I hope he can manage that or he may have to cancel everything and start again :eek:.
    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
  • great you have finished the assignment, Greece for three weeks? Wow. I'd love a holiday at the minute. xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Have a lovely day HH

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • jwil
    jwil Posts: 22,448 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on finishing the assignment, and great news about DS getting the refund for the flights :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Thanks Jwil :).
    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 20 February 2019 at 1:53PM
    I did our weekly food shop in Mr T this morning. It came to £77.26 which is an overspend :(. But I did do a bit of stocking up again. I have to confess that Brexit is worrying me slightly. They're telling people not to stockpile, but then say prices will probably go up. Well some people can't afford to pay higher food prices, so I'm feeling a strong compulsion to stock up which things are still reasonably priced :o.

    We needed laundry powder which was £4 for a big box, I got two bottles of shampoo as it was only an extra pounds for the second bottle, bought four packs of DS1's crisps as they were half price and got six packets of vegemince as it was three packs for £4. I also bought about six bottles of pasta/curry sauce as I'm convinced the prices will go up after Brexit :o. We don't need them yet, but they won't go off for a couple of years so it doesn't feel like a waste of money to stock up on them. I also bought 1kg each of wholewheat pasta and brown rice, which we don't need but will always be useful.

    I can't seem to help stockpiling :o. Oh well never mind.

    This afternoon I want to organise the PPI stuff as I'm all in a muddle with it and I've finally got the time to get my head around it. I need to make a list and put all the claims into three categories: refused, needs action and waiting to hear back. Then I'll know where I am with them. The ones that need action I need to ring/write to them, or do whatever needs doing. We won't get any money back if I don't do what I need to do and it's a waste of time starting the claims if I'm not going to finish them.

    I'll come on here later and report my progress to keep myself accountable :).
    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 GOT THE JOB :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer:

    Congratulations, well deserved :beer::beer::j:j:D:D:D
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