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

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    daisy_1571 wrote: »
    Wowowowow!!! Fantastic, bet that's the highest hourly rate you'll work for this year I imagine :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl: well done persevering,

    Dxx

    Thanks Daisy :D.
    carbootcrazy wrote: »
    My commission fees are very reasonable:rotfl:

    :rotfl: :rotfl: :rotfl:. If you ever come to Devon I'll treat you to a cream tea Carboot :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
  • Moneywhizz
    Moneywhizz Posts: 521 Forumite
    Part of the Furniture 500 Posts Photogenic
    Lurker on your diary. That is wonderful news and so well deserved. What a great amount too, hopefully take the pressure off your day to day worry over having enough to pay the bills. What a buffer to have in the bank. So pleased for you.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you Moneywhizz for delurking and for your congratulations :).
    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
  • hugglemonster
    hugglemonster Posts: 1,245 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Always good to see a fellow MSEer get good news, congratulations!

    H x
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 9 March 2019 at 5:53PM
    DH needs a laptop to help him with his work so I'm going to give him £400 for that :). And I have to confess to buying two pairs of trousers and two tops today on my Saturday saunter that I can wear to volunteering and work :o.

    But apart from that little (or not so little) splurge I'm going to keep £3000 of the money in my savings account as an emergency fund, which will give me great peace of mind :).

    I've still got hopes of DH's RBS Adv@nta card because we found four years of statements showing PPI payments for that and he was self employed during that four years. They're still looking into that. So fingers crossed for another payout :).

    Hopefully I will get more hours at work too at some point in the future so I can earn more money, as lovely as this payment is, it won't last forever if we don't address the real problem which is not earning enough money on a regular basis. This does buy us some breathing space though, for which I'm very grateful :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hugglemonster wrote: »
    Always good to see a fellow MSEer get good news, congratulations!

    H x
    Thank you Hugglemonster :).
    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: 178,375 Community Admin
    10,000 Posts Photogenic Name Dropper
    HH I come for a look to see how your week has been and there is wonderful news. I am so pleased for you that you did the claims , I hope you get more you deserve it. It's a :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j: from me.

    Well done on your assessment and being Mr Bump. I said this was your year. :beer:
    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
    Thank you Cumbria :). It's lovely to hear from you and I hope things are going okay for you :). You did indeed say that :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
  • System
    System Posts: 178,375 Community Admin
    10,000 Posts Photogenic Name Dropper
    HH sent you an email:)
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Willowtree222
    Willowtree222 Posts: 8,297 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Breathing space will be an amazing feeling right now. xx
    September 2017 Debt = £25330

    Starting afresh.

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