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

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Comments

  • beanielou
    beanielou Posts: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are just awesome :)
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on yet more decluttering. I'm the same as you I feel stressed if there's too much stuff.

    Arsenal barnie keeping everything crossed for good news for your results, such a worrying time for you, puts everything into perspective.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 16 June 2019 at 9:11AM
    beanielou wrote: »
    You are just awesome :)
    Sun_Addict wrote: »
    Well done on yet more decluttering. I'm the same as you I feel stressed if there's too much stuff.

    Thank you both :).
    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
  • jwil
    jwil Posts: 22,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You've done amazingly well with 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
    jwil wrote: »
    You've done amazingly well with the decluttering :T

    Thanks Jwil :).

    I'd love to carry on today but I feel quite tired so I'm going to spend most of the day relaxing in front of the telly. I do want to spend another five minutes de-cluttering DS1's room with him though, and iron some work clothes as I've run out of things to wear.
    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
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done on all your cleaning and decluttering. Hope you are on the sofa now :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks DIA :). I have been resting most of the day. I've done some laundry and a bit of ironing but absolutely nothing apart from that. It feels a bit like a waste of a day, but I tired myself out yesterday and I want to be full of energy to start the week tomorrow.
    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: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    HairyHandofDartmoor wrote: »
    Thanks DIA :). I have been resting most of the day. I've done some laundry and a bit of ironing but absolutely nothing apart from that. It feels a bit like a waste of a day, but I tired myself out yesterday and I want to be full of energy to start the week tomorrow.

    Good idea.
    As we all know Sunday used to be a day of rest!
    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
    Thank you 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
    Well my day of resting on Sunday helped as I felt almost human this morning :rotfl:.

    Just as well because when I got to school they were short staffed and asked me if I would do paid TA cover this morning in a different year group :T. I was delighted of course and I really enjoyed getting to know a different year group and how they operate :j. Then I did my lunchtime job which was dry weather. So a very good morning. I hope they ask me again some time soon :D.

    DS3 was travelling from Columbia to Mexico overnight, but I was able to make sure he'd got to the airport and message him before I went to sleep (a bit later than I would have liked to sleep as it was 11.30pm) and when I woke up at 6.45am his plane had landed. But I got enough sleep to feel fine at school which is the important thing.

    I'm going to skip Pilates (again :() as I feel very tired now, but also we need to re-apply for DS3's student finance this afternoon because the deadline is Friday :eek:. I also need to do my assignment this week as that deadline is also Friday :eek: and it's my dad's birthday on Friday so I need to organise a card and present for him :eek:.

    So Pilates has fallen by the wayside again unfortunately. But next week should be a fairly quiet week (as far as I can tell, fingers crossed and touch wood!) so next week I hope to be back to normal and back to Pilates.

    I hope everyone is having 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
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