We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1…827828830832833…1551

Comments

  • Sun_Addict
    Sun_Addict Posts: 24,911 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Could you get the caffeine free coffee cola? A friend of mine drinks it because of sleep issues.

    Great news on the assessment :j

    Enjoy your meal out tomorrow :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Great to read :D
    Thanks Beanie :).
    Sun_Addict wrote: »
    Could you get the caffeine free coffee cola? A friend of mine drinks it because of sleep issues.

    Great news on the assessment :j

    Enjoy your meal out tomorrow :)

    Thanks SA :). Maybe I should try caffeine free coke.
    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: 8,386 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great about the feedback.

    Glad you are escalating it and not just accepting that decision. Some banks/companies try to say no at first and then say yes once it is appealed. I have known a few do this.

    Enjoy your Saturday saunter. xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nicnak wrote: »
    Great about the feedback.

    Glad you are escalating it and not just accepting that decision. Some banks/companies try to say no at first and then say yes once it is appealed. I have known a few do this.

    Enjoy your Saturday saunter. xx

    Thanks Nicnak :). Yes I think escalation is worth a go as we have nothing to lose.
    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
  • jwil
    jwil Posts: 22,941 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your weekend :)
    "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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope you have a lovely weekend HH

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    I had a sleepless night Thursday too. It was after my little boys parents evening and I just couldn't get all the thoughts out of my head. Sometimes I write them down which helps. Another caffeine free bod here - coke, tea, coffee -everything. Unfortunately I can't find caffeine free hot chocolate!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • tantaraza
    tantaraza Posts: 72 Forumite
    earthgirl I didn’t realise hot chocolate contained caffeine :o

    HHOD did the postman bring good news today? ;)
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil wrote: »
    Enjoy your weekend :)

    Thanks Jwil :).
    WannabeFree wrote: »
    Hope you have a lovely weekend HH

    x

    Thanks Wannabe :).
    earthgirl wrote: »
    I had a sleepless night Thursday too. It was after my little boys parents evening and I just couldn't get all the thoughts out of my head. Sometimes I write them down which helps. Another caffeine free bod here - coke, tea, coffee -everything. Unfortunately I can't find caffeine free hot chocolate!

    Sometimes your mind is just too busy processing things to sleep. I feel like I need caffeine in the daytime, but I should definitely drink less at night :).
    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 24 March 2019 at 12:18PM
    tantaraza wrote: »
    earthgirl I didn’t realise hot chocolate contained caffeine :o

    HHOD did the postman bring good news today? ;)

    Unfortunately not Tantaraza :cry: no good PPI news anyway.

    My pay from my job went in on Saturday instead of Monday which is good :T but unfortunately it went into our joint business account instead of my personal account, so I must have given the office the wrong account details :doh:. So I need to change my bank details on Monday.

    It sounds silly but I was quite disappointed that my wages went into our business account :o. I wanted them to go into my personal account because I worked hard for that money, and no money has gone into my personal account apart from survey money since I stopped getting child benefit for DS3.

    I won't know what percentage was taken for the pension and whether I was taxed until Monday when I get my payslip emailed to me. But around £29 was taken which was more than I expected, so maybe I was taxed, or maybe NI was taken. I'll find out on Monday. I got £201 anyway which I was very pleased to get :).
    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
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.2K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.9K Spending & Discounts
  • 246.3K Work, Benefits & Business
  • 602.4K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture