We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1…929930932934935…1551

Comments

  • elizabethhull
    elizabethhull Posts: 767 Forumite
    Part of the Furniture 500 Posts
    What a huge and inspiring amount of de-cluttering you have done, HH. I hardly know whether to applaud your commitment, or be staggered by the amount you had !!! (well its both)

    Why do we do it, the collecting/hoarding ? Other people seem to manage without a need to fill their houses with 'stuff'.
    I hate getting rid of things, yet love it when a previously overflowing area frees up.
    Still, as long as it never gets so bad I'm in danger of featuring on one of those Hoarders programmes - that would be very humiliating !
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the decluttering :T
    "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
    elizabethhull wrote: »
    What a huge and inspiring amount of de-cluttering you have done, HH. I hardly know whether to applaud your commitment, or be staggered by the amount you had !!! (well its both)

    Why do we do it, the collecting/hoarding ? Other people seem to manage without a need to fill their houses with 'stuff'.
    I hate getting rid of things, yet love it when a previously overflowing area frees up.
    Still, as long as it never gets so bad I'm in danger of featuring on one of those Hoarders programmes - that would be very humiliating !

    Thank you Elizabeth :). The clutter has built up over time and having three children and working from home has added a lot more. I think I've been keeping too much for sentimental reasons because DH, DS1 and DS2 make me feel guilty when I get rid of things :mad:. But I need to be more ruthless. After all it it's been out of sight for years, then they've probably forgotten they've got it ;).
    jwil wrote: »
    Well done on the decluttering :T

    Thanks Jwil :). It may take a while to catch up with your formidable list of de-cluttering :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 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Volunteering and work were good today and it does do me good to get outside the house. I was in all day yesterday and although I got a lot done, I was starting to feel a bit sad and mopy and think about missing my mum a lot by the end of the day. So going out this morning has been a good distraction. It's a lovely warm sunny day too :).

    My friend can't go to Pilates today but I'm still going to go as I always feel better for it and it gets me out of the house and meeting people again, which is always good for my mood.

    I'm going to miss school at half term, although part of me is looking forward to doing more de-cluttering. I want to be much more ruthless and get rid of loads of things to free up space :).
    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: 96,473 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fancy a wee trip to Scotland:p
    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: »
    Fancy a wee trip to Scotland:p


    :rotfl: :rotfl: :rotfl: I wish I could 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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DE-CLUTTERING PROBLEM AREAS
    The office
    Four voids
    My bedroom
    DS1's room
    DS2's room

    These are the areas I want to tackle now in the de-cluttering challenge. My bedroom is much better, the main void is much improved but I want to have another go at it and reduce it further, the other three small voids are untouched, the office is a nightmare :eek: and DS1 and DS2's rooms are an even bigger nightmare :eek:.
    So there's still plenty to be done on the de-cluttering front, but Rome wasn't built in a day.

    In other news I enjoyed Pilates and I'm very pleased I went. It was a fiver very well spent :). My Pilates teacher is leaving :( so I hope I like the new one. I've done 13,105 steps so far today and fifty active minutes :j.

    Apart from a fiver at Pilates I've only spent 80p on a diet coke, and yesterday was a NSD :money:.

    I hope everyone has had a good Monday :).
    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
    You're doing really well with your de-cluttering HHD especially on top of everything else you're doing :) The DC's bedrooms are tricky aren't they, especially as they're adults. Hopefully, when they see other areas of the house looking better, they may feel inspired to let you have a go at their rooms with them.

    Did you get in touch with your tutor about the assignment or did you decide to leave it a while longer? xx
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks TF2 :) I forgot to email my tutor but I've just done it now. She still hasn't marked my third assignment and we're meant to hand in our fourth one this Friday :mad:.

    DS2 has said that we can tidy his room while he's abroad and I think DS1 could be persuaded to let us help him improve his. But those are going to be the hardest areas to de-clutter :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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    When you've finished your decluttering would you please come and do mine?
    Aaahhh!
    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
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.9K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.1K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.5K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture