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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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Mine is apparently this: Panasonic NNCT569MBPQ Large Family Combination Microwave Oven in Silver - which I apparently paid £140 for back in 2012. Now an obsolete model I suspect due to being a few years old. I've never been disappointed with its performance - I don't use it for as much "proper cooking" as I used to since I got the twin oven though as it usually works out easier/better just to put the small top oven on.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Thanks EH
. That's useful to know.
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 MONTHS0 -
I had a good session at work, although it showered on the way there, was sunny before lunch, hailed after lunch and was sunny on my way home :rotfl:.
Before I went I washed and dried a shirt for DH as he had a meeting this afternoon and hung up the other clothes on the clothes horse that I washed with his shirt. I also wrote out a birthday card and an anniversary card and posted them on my way home from work :A. I can't believe the price of stamps now :mad:.
After getting back I transferred another £500 into my new Mr T savings account. I've got £1005 in there now :T. I can't draw or transfer any money out of the account apparently until they post me the account paperwork, but the point of this exercise is to stop me spending my PPI, so I don't feel that's a bad thing :rotfl:.
I've also worked out which bills need paying this month and ironed two work tops and some work trousers :A.
DH's meeting went very well and the customer has signed up for three months. This means our living expensed should be covered for the next three months, meaning I can save my wages and not spend the PPI :T. This is a great outcome so DH has done very well :T. He'll need to buy some new shirts though and probably another suit, as he will be spending time at the customer's place of work and can't wear the same three shirts and one suit over and over again :eek:. The expense will be worth it though.
I feel as if having the PPI money gave DH confidence for making this sale, as customers can sense when you're desperate for money. Because DH wasn't desperate for the sale he was able to be more confident and bold in his approach, which is important when it comes to pitching to customers.
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 MONTHS0 -
Well done Mr Hairy0
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It is so nice reading your diary. Really uplifting. Well done to DH and I agree having a little security boosts confidence.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Fantastic news :j :jI 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.0 -
Deleted_User wrote: »Well done Mr Hairy
Thank you Purplemum.
doingitanyway wrote: »It is so nice reading your diary. Really uplifting. Well done to DH and I agree having a little security boosts confidence.
Thank you DIA.
Fantastic news :j :j
Thank you Beanie.
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 MONTHS0 -
DH has gone out to buy a new oven from Cnrrys! I told him to choose one as I don't really care as long as it fits in the space and cooks food :rotfl:. He's got a budget of £200 - £300. We can fit it in the car if they don't deliver and DH needs to find out if they will fit it or if we can just plug it in.
I've just heard from DH and he hasn't bought anythingbut he's got some options for us to consider.
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 MONTHS0 -
Panasonic are really good, I've got a combi but like most people don't use it to its best advantage.
So pleased to read things are sounding more positive for you, not before time xxI get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Thank you SA
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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 MONTHS0
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