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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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I am a fan of oven chips too. xxSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
I am a fan of chippy made chips covered in salt, vinegar, hp sauce and wedged between two buttered slices of thick white bread!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.0
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I used to love chip shop chips with curry sauce but I haven't had them for a long time. I'm more of a roast potato/baked potato fan 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 MONTHS0 -
I feel totally exhausted and it's only lunchtime :eek: It's because I''ve been helping DH get ready for his customer visit. I don't know why I find it so tiring. Maybe it's because I'm not in control of the process and am just assisting where needed. Anyway he's gone now, so I can relax for five minutes.
I want to do some more work on my assignment this afternoon. It's a shame to stay indoors in a way because it's a lovely sunny day, but after working on it yesterday I feel like my head is in the right place, so I may as well crack on and try and get some more of it done. It would be lovely if I could finish it today, but I'll see how I get on.
I have managed to wash some laundry and hang it in the garden. It's bulky things like tracksuit trousers and hoodies, which would take forever to dry indoors.
I can tell it's the holidays because I can hear our neighbour yelling at her children :eek:. I dread to think how loud it is in her house. I don't think she's coping very well judging by the amount of shouting that goes on daily.
Anyway, enough procrastinating, I must crack on with my assignment. 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 -
Some good news is that my cheque from the H@lifax has cleared today :T. So I've put another £2,000 in my EF :T and I've got £1,500 in another savings account to pay for our latest VAT bill (which we must find time to calculate soon) and DH's glasses.
We have £5,500 in our two EG funds at the moment :j :j which is great, but will only last if we don't have to spend it.
So my mission is to build up another EG fund so we don't have to spend the £5,500 IYSWIM. We also need to earn £2,000 EVERY month to cover all of our regular outgoings.
I need the security of having this money behind us to stop me feeling anxious, as we've had so many years of dodgy finances, massive debts, and an insecure income. Not to mention no pensons (after from the one I've just started in my job)
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I feel like I'm going to watch every penny now. I'm in two minds about whether to spend £100 on the plastic shed :think:.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 think the plastic shed is a good investment & it does not need painted~~so a big plus :rotfl: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.0 -
It's hard to know when the right time is to spend money. After so long of needing to literally watch the pennies it might feel wasteful to spend a bit on different things but I think you are looking at it purely financially. Look at it also from the day to day convenience point of view.
You have mentioned for years that lack of storage is a problem in the house and you have to store garden stuff in the house. This would appear to get helped, or even sorted, by the comparatively small amount of £100. Spend the money, get the shed, clear out the under stairs cupboard and sort it out for things you need to store in there. This gives you an easier life. You really cant put a price on that. If you have thought about the purchase, have a good reason for the purchase, have investigated the best price using vouchers/sales/comparing shops/quidco etc if you look at it logically you can hardly feel that you are making an unnecessary impulse purchase.
I do understand, once you get a bit money in the bank, it becomes quite a thought to spend a bit. Just giving you another point of view to consider. I feel now we have got a few little things that just make life a little bit easier it pays off hugely in the mental health area. Things stop being a huge nuisance or a little nuisance or unworkable or just downright time consuming and annoying. Frees up mental resources to deal with other things.
Daisy xx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'0 -
Beanie makes a compelling argument for the plastic shed!🎉 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 -
EssexHebridean wrote: »Beanie makes a compelling argument for the plastic shed!
If only I had a plastic fence:rotfl: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.0 -
I think the plastic shed is a good investment & it does not need painted~~so a big plus :rotfl:
You make a fair point :rotfl:.EssexHebridean wrote: »Beanie makes a compelling argument for the plastic shed!
She does :rotfl:If only I had a plastic fence:rotfl:
I wonder if you can buy them? After all you can get plastic grass :rotfl:.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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