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

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Comments

  • in_need_of_direction
    in_need_of_direction Posts: 7,832 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It’s a small price to get one of your babies home safely
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    in_need_of_direction wrote: »
    It’s a small price to get one of your babies home safely

    That's very true INOD :). And it is lovely to have him home. Even if he's asleep in his room I know he's just a few feet away :).
    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
  • elizabethhull
    elizabethhull Posts: 767 Forumite
    Part of the Furniture 500 Posts
    Hope all Mummies (whether of children, pets, plants or a teddy collection), had a lovely day yesterday.
    I was taken out for lunch, and DGS (aged 4) decided for dessert he wanted custard and ice-cream. So he mixed them together and ate the lot !!!
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's an interesting mixture Elizabeth :rotfl: . You must have enjoyed seeing them.
    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
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi HHD :) Lovely that your DS was home with you for Mother's Day. Hope you had a nice day and that you managed to carve out some quiet time to dedicate to your Mum. xx
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 1 April 2019 at 4:06PM
    Thank you TF2 :). I felt sad about my mum but it was lovely to have DS3 home for Mother's Day, so a mixed day. DS1 gave me the Marie Kondo book and DS3 gave me chocolates. Also DS3 spent the afternoon and evening watching films with us, which was lovely :).

    I'm glad March is over though as my birthday and Mother's Day were both hard.
    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 1 April 2019 at 4:16PM
    I feel worn out today :(. I tried to have a nap yesterday and my sister rang my mobile after I'd just fallen asleep. After talking to her I couldn't go back to sleep :mad:. Then I tried to go to bed early but DS1 and DS3 couldn't shut the kitchen window so woke us up at 11.30pm :mad:. It took me ages to get back to sleep after that :mad:.

    So tonight I'm determined to go to bed at 9am. I felt exhausted at school this morning and although I still enjoyed it I don't think I would have made it through the afternoon :eek:. So I'm skipping Pilates again tonight in favour of rest and recovery.

    I managed to persuade DH to email our accountants and tell them about my job this afternoon, this is only my sixth week (rolls eyes). He also asked some more questions about de-registering for VAT, although he seems in two minds about it now :(.

    I'm looking forward to having two weeks holiday at the end of this week, although I'm sure I'll miss school, but I want to blitz the house and do lots of de-cluttering as it's a total tip. Plus I can catch up on my sleep! It's my mum's interment in the holidays though so I'm not looking forward to that (it will be nearly nine months since she died and stepdad has arranged the interment for now :().
    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 1 April 2019 at 7:26PM
    PPI UPDATE
    My letter from the H@lifax finally came :T :T :T. Two weeks after DH's letter and one week after DH's cheque arrived. Presumably my cheque will arrive in a week's time!

    Better late than never I suppose! I bet if I hadn't rung them last Monday it still wouldn't be here :mad:.
    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
  • elizabethhull
    elizabethhull Posts: 767 Forumite
    Part of the Furniture 500 Posts
    HairyHandofDartmoor wrote: »
    PPI UPDATE
    My letter from the H@lifax finally came :T :T :T. Three weeks after DH's letter and two weeks after DH's cheque arrived. Presumably my cheque will arrive in a week's time!

    Better late than never I suppose! I bet if I hadn't rung them last Monday it still wouldn't be here :mad:.

    Hurray :T:T:T:T
  • beanielou
    beanielou Posts: 96,554 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had DS3 home for Mothers Day.
    Sorry that you are so tired today :(
    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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