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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: 7,831 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You can generally get cash back for curry’s purchases. I think you’re right about work coming in when you less in need of it.
    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.
  • elizabethhull
    elizabethhull Posts: 767 Forumite
    Part of the Furniture 500 Posts
    HairyHandofDartmoor wrote: »
    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 love hearing about your many current successes - the job, the PPI, DH's sale, sons at home, money in the bank, all so well deserved, and not before time, but you know the one I like best ?
    It's that clothes horse !!! In its own practical way it seems to epitomise an optimistic future.
  • jwil
    jwil Posts: 22,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done to DH :T

    This is the one I've got - it's several years old now so probably isn't available. It would have been the cheaper end of the budget.
    https://pricespy.co.uk/home-garden/white-goods/cookers-ovens/microwaves/panasonic-nn-ct559w-white--p1092891
    "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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    in_need_of_direction wrote: »
    You can generally get cash back for curry’s purchases. I think you’re right about work coming in when you less in need of it.

    Good idea INOD. Although DH wants to get a cooker from Arg0s now. Is Top Cash Back the best one to join?
    elizabethhull wrote: »
    I love hearing about your many current successes - the job, the PPI, DH's sale, sons at home, money in the bank, all so well deserved, and not before time, but you know the one I like best ?
    It's that clothes horse !!! In its own practical way it seems to epitomise an optimistic future.

    Thanks Elizabeth :). Well the clothes horse is useful :).
    jwil wrote: »
    Well done to DH :T

    This is the one I've got - it's several years old now so probably isn't available. It would have been the cheaper end of the budget.
    https://pricespy.co.uk/home-garden/white-goods/cookers-ovens/microwaves/panasonic-nn-ct559w-white--p1092891

    Thanks Jwil :).
    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
    I had a fun day at school. There was lots going on today. This is what I love about working in a school, no two days are ever the same. We had dry playtime too :D.

    I walked home, got changed, ate lunch and then dashed into town with DH. I paid my H@lifax cheque in finally :T and DH actually found three shirts that we both liked and that fit him, which is a minor miracle :T. So he is now more suitably kitted out for his visits to the new customer.

    Now I'm recovering a bit before my shower and cooking dinner.

    DH has decided that the best oven for us is from Arg0s. It's the top end of our budget at £320 but it's self cleaning which sounds brilliant and will save us a lot of time. It will also slot into our existing cupboard and just plug in so no need to pay anyone to fit it. It's a H0tpoint which is the same model we have now. Once we order it it will be delivered next day so it sounds idea :T.

    As we can get the oven delivered and useable so quickly we won't bother buying the combi microwave (or not yet anyway) which will save money :money:.
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad to see you're getting a new oven :)

    And lovely to hear you're enjoying work so much. You sound so much more happier and confident

    Xx
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • beanielou
    beanielou Posts: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy new oven :)
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WannabeFree wrote: »
    Glad to see you're getting a new oven :)

    And lovely to hear you're enjoying work so much. You sound so much more happier and confident

    Xx

    Thanks Wannabe :).
    beanielou wrote: »
    Happy new oven :)

    Thanks 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 MONTHS
  • Sun_Addict
    Sun_Addict Posts: 24,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you're getting a new oven :) Argos are great for their speedy, convenient deliveries, well worth the £3.95 charge. Brilliant customer service too if anything goes wrong, replacement straight away and no questions asked.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • jwil
    jwil Posts: 22,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh a self cleaning oven, jealous!

    I think getting the oven is a more economical idea than getting the combi, though they are handy for a backup or smaller meal.
    "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
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