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

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Comments

  • Happy Birthday Mr Hairy :bdaycake: Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • beanielou
    beanielou Posts: 96,571 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a lovely meal tonight :)
    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.
  • beanielou
    beanielou Posts: 96,571 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh & our schools broke up today!
    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 you had a lovely meal out - rather nice not to have to cook when it's so hot.
    August is our expensive month.

    Had my pre-op assessment. Nurse needed 2 vials of blood and I ended up with 3 plasters on various bits of me (OH had his annual blood check which was achieved in 2 mins & 1 attempt!!). I am apparently very healthy - yay me ! No date suggested for op and she could answer only one of my 9 questions.
  • jwil
    jwil Posts: 22,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you had a lovely meal out :)
    "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
  • Glad to hear about the meal out. If you don’t give yourself the occasional treat, you’ll end up completely disheartened
    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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • teafor2 wrote: »
    Hi HHD :) I'm sure the teacher's are grateful to have somebody so enthusiastic in their class and getting to know everybody can only be a good thing - they may actually put a request in for you if a vacancy comes up.

    June is an expensive month for us as well with birthdays etc. and I've no idea when I last managed to top any pots up so I'm really looking forward to a new month starting.

    Hope your DH is enjoying his birthday and you have a lovely evening out. xx
    Thanks TF2 :).
    Happy Birthday Mr Hairy :bdaycake: Xx
    Thanks Lucky :).
    beanielou wrote: »
    Have a lovely meal tonight :)
    Thanks 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
  • Hope you had a lovely meal out - rather nice not to have to cook when it's so hot.
    August is our expensive month.

    Had my pre-op assessment. Nurse needed 2 vials of blood and I ended up with 3 plasters on various bits of me (OH had his annual blood check which was achieved in 2 mins & 1 attempt!!). I am apparently very healthy - yay me ! No date suggested for op and she could answer only one of my 9 questions.

    Thanks Elizabeth :). I hope you get a date for your op soon. One of of nine questions doesn't seem very many!
    jwil wrote: »
    Hope you had a lovely meal out :)

    Thanks Jwil :).
    Glad to hear about the meal out. If you don’t give yourself the occasional treat, you’ll end up completely disheartened

    Thanks INOD :).
    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 29 June 2019 at 5:14PM
    The meal was really nice last night and cost £42 which could have been a lot worse.

    I've had a fairly productive day so far. I skipped my Saturday saunter today. Instead I've been out with DH to drop some clutter at the charity shop, we bought some toiletries we needed and some snacks that DH wanted for today as it's his birthday weekend. I said we'd better not make a habit of buying more food after we've already done a weekly food shop :mad:. We also got two storage boxes for DS2's room. Altogether about £40 was spent :eek:.

    When we got home I put some clothes on to wash and then hung them in the garden, put another wash on, emptied all the bins in the house, sorted out four rubbish bags that DH got from DS2's room and disposed of them in our wheelie bins.

    After that I weeded the front garden because it was full of weeds and it's been bugging me for ages. It looks a lot nicer now :T.

    So despite it being a hot and humid day, I've got quite a lot done. I'm going to try and relax now.

    Plans for tomorrow include washing and ironing my work trousers, ironing all my summer tops, and cleaning out the furry moron.

    In good news we've had the insurance money paid into our account to cover the painting of the kitchen. We've been thinking about it though and have decided to paint the kitchen ourselves. We will use part of the money to buy paint and stain blocker but will do the labour ourselves. We'll use the rest of the money to get a new back gate and frame installed in our garden as ours is rotting away. There will also be enough money to pay for a fence along the top of our back wall. This would give us privacy from the back lane, which would mean we could chop down the hedge which is the bane of my life as it grows about a foot a week in the summer and which casts shade onto all the plants in the border. It seems a better use of the money.
    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
  • Sun_Addict
    Sun_Addict Posts: 24,354 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a good use of the insurance money, why pay someone if you can do it yourself.

    Glad you enjoyed your meal :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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