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

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Well done on all the books :)
    Thanks Beanie :).
    mummytogirls wrote: »
    So glad youve enjoyed a little splurge today HHOD... you deserve it after what youve been through :D xx

    Thanks MTG :). I do feel guilty though :o.
    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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    teafor2 wrote: »
    Morning HHD :) I think the premium bond idea is a good one. Saving with a chance of winning some money seems a good bet to me. I was given a £1 one when I was christened. No idea if it's still entered into the draw or not but I've kept it for posterity. :)

    Are you having a quiet day today or are you going under the bed to tackle some more books? xx

    Me too. Not when I was christened perhaps but as a child. I could't find it so wrote off and they responded with the details.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Oh my that's some amount of books you have decluttered well done xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Abba :). It's just embarrassing having so many in the first place :o. It's going to be a lot easier to dust and hoover :).
    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
    Our shed is going to be delivered tomorrow :T but the hall is full of books :eek:. So we're going to put them in the car tonight and then maybe after the shed is delivered we can drop them at the charity shop.

    My friend has cancelled our walk tomorrow as she's not well, but I'm quite pleased because I'm so tired and achey after all my book sorting :rotfl:. That will teach me to buy so many books :naughty:. I'm going to take it easy tonigh after I've cooked dinner. Maybe I can persuade DS1 or DS3 to help DH put all the books in the car.
    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
  • beanielou
    beanielou Posts: 96,525 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    No help , no tea :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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    No help , no tea :rotfl:

    Worth a try :rotfl:. Although I've just remembered that DS3 went to bed at 4pm. He's having trouble with his bodyclock at the moment :eek:.
    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
    Ooh exciting that your shed will be with you so soon. Have you finished the book sorting now and do you have another project to get your teeth into?
    HairyHandofDartmoor wrote: »
    Maybe I can persuade DS1 or DS3 to help DH put all the books in the car.

    Surely no persuasion needed if it's to help out Mum and Dad. xx
  • please-let-me-be-lucky
    please-let-me-be-lucky Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Mammoth catch up after my jollies!!

    Glad you got through the interment ok. Sorry it went wrong afterwards for your Sis et al :(.

    Well done on all the decluttering of books :T. I was going to suggest you did a bootsale with them, but understand your reasoning for wanting rid asap.

    Happy new shed :D.
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Sun_Addict
    Sun_Addict Posts: 24,345 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow you've been productive with all that decluttering. I thought I had a lot of books, I've got about 50 so not a patch on yours. When I've read mine I pass them on to a work friend but then she passes hers on to me :)

    Well you've convinced me with the premium bonds and I'll certainly be looking into them :)

    We painted our wooden shed blue and white so it looks like a beach hut, needs another coat now though after 2 years but still looks cheery.

    Well done on getting through the interment - I went to a memorial service at the church my mum had her funeral in a year after the event, the church did them every year for 5 years - it was awful, opened up old wounds and needless to say I didn't go back the following year.

    Onwards and upwards xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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