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

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Comments

  • Magpie100
    Magpie100 Posts: 296 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Another lurker delurking to say well done on the PPI refund. You certainly deserve it. And well done too on the new job and plans for the future. I always save your diary up to read on a Saturday morning with a cup of coffee and it's very enjoyable.

    Have a good weekend.

    M100
  • 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.”
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Magpie100 wrote: »
    Another lurker delurking to say well done on the PPI refund. You certainly deserve it. And well done too on the new job and plans for the future. I always save your diary up to read on a Saturday morning with a cup of coffee and it's very enjoyable.

    Have a good weekend.

    M100

    Thank you Magpie :). What a lovely thing to say and thanks for delurking :).
    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
    WannabeFree wrote: »
    Have a lovely day HH

    x


    Thanks Wannabe :).
    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 16 March 2019 at 4:00PM
    You're not going to believe this, but we're getting another PPI complaint upheld :T.

    It's from our old H@lifax mortgage. DH and I are going to get, wait for it... £3120 EACH

    :T :T :j :j :T :T :j :j :T :T :j :j :T :T :j :j :T :T :j :j :T :T :j :j :T :T :j :j :T :T :j :j :T :T :j :j :T :T :j :j :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer:.

    I'm still in a happy shocked daze :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
  • redofromstart
    redofromstart Posts: 5,947 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Oh that is just brilliant news, so pleased for you!
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • Chief2104
    Chief2104 Posts: 3 Newbie
    Photogenic
    Delurking to say that’s absolutely amazing! So happy for you & your family
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 16 March 2019 at 4:12PM
    Thanks Redo :).

    They're going to send DH and I a cheque each within 28 days, so much slower than B@arclaycard, but still :D. Plus they took approximately £900 in tax. By the time it arrives it will probably be in our next tax year, so who knows, we may get some tax back too :).

    I have high hopes of DH's RBS Adv@anta CC now. It's because we've been self employed for 25 years that it was missold :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Chief2104 wrote: »
    Delurking to say that’s absolutely amazing! So happy for you & your family

    Thanks Chief :). And thanks for delurking :).
    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
  • beanielou
    beanielou Posts: 96,738 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, that is so awesome.
    So pleased for you :j :j :j :j :j
    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.
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