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

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  • Hope your first day back is a good one Hairy - we have thunderstorms forecast for later :eek: Its funny how the holidays are different all over this Easter - my boys aren't back until next week - they have an inset day too next week, a bank holiday the following week and its only a 4 week term!!!

    Just wanted to say a quick thank you! DH got a letter on Saturday (do PPI letters only arrive on a Saturday?) to say he would be receiving a cheque for £370 within 10 days. I only looked into it because of your diary so if you lived closer I would be taking you out for a latte to say thank you :D:D:D:D:D

    Hope you get all jobs done this afternoon. Love BB50 xx
  • beanielou
    beanielou Posts: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I frequently think the courses could be made way shorter :mad:
    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.
  • Hope your first day back is a good one Hairy - we have thunderstorms forecast for later :eek: Its funny how the holidays are different all over this Easter - my boys aren't back until next week - they have an inset day too next week, a bank holiday the following week and its only a 4 week term!!!

    Just wanted to say a quick thank you! DH got a letter on Saturday (do PPI letters only arrive on a Saturday?) to say he would be receiving a cheque for £370 within 10 days. I only looked into it because of your diary so if you lived closer I would be taking you out for a latte to say thank you :D:D:D:D:D

    Hope you get all jobs done this afternoon. Love BB50 xx

    Thanks BB50 :). That's great news about your PPI :T I'm really pleased :D. Do you have any special plans for the money or will it go into general expenses?

    It is strange how different the term dates are for people. A four week term seems far too short!
    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 24 April 2019 at 2:19PM
    It was dry playtime, hurrah :T. Well, when I say dry, I mean it was only light rain so the children went out to play in the puddles :rotfl:. One boy seemed delighted because he had mud all over his face :rotfl:.

    I enjoyed being back, but felt really tired walking home. I think I'm still recovering from all my de-cluttering over the holidays. One of the lunch time staff had been to Cornwall and France over the Easter holidays! She must be better paid then me :rotfl:.

    This afternoon I'm going to do as little as posible because I'm really tired and I'm volunteering in the classroom tomorrow morning, so I need to get my energy levels higher. I need to wash some hoodies and underwear for DS3 to pack for uni, but apart from that I intend to do NOTHING apart from cook dinner and shower :).

    DH is at the customer this afternoon so I can have a quiet time :D. I ironed his shirt and made him toast for breakfast this morning before I went to work because he was so busy :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
  • beanielou wrote: »
    I frequently think the courses could be made way shorter :mad:

    I agree Beanie they can be a bit of a rip off :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
  • I've just had an email from the Financial Ombudsman to say that they agree with B@rclays that the complaint about my packaged bank account is out of time. It's disappointing but at least we tried. No more free money for us :(.

    Never mind, I know we're lucky to have had the PPI refunds that we've already received and I'm very grateful to have 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
  • beanielou
    beanielou Posts: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Boo boo boo.
    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.
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad you enjoyed your first day back HHD and that it wasn't wet play. DD is back at Uni but doesn't start lectures until May and then for only 2 weeks and that's it, first year done and dusted! 9 months of lectures for 15 hours per week, with plenty of holidays thrown in, total cost £9,250 :cool:

    I don't get the length of the courses either these days. My Dad did a degree in the 60's and his research was wading through books from the library and then he wrote everything by hand. When I think of all the technology they have at their fingertips these days I can't help but wonder why they still take 3 years to complete. :o

    I got my first PPI letter back today - I'm not getting anything :rotfl: TBH I think this will be the case with all of them but at least I'll have made sure. xx
  • Sorry about your PPI TF2 :(. Still you never know, I thought all of mine would say no if you remember.

    University terms do seem to be getting shorter. I had three ten week terms when I was at uni, but I didn't mind because I got it for free. But DS3 is paying over £9,000 a year and has had two ten week terms and one three week term :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
  • Boo to result about the accounts but at least you tried.

    Glad you had a nice day back to work.

    Hope you enjoy your downtime this afternoon xx
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