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I Just Want To Retire Debt Free

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  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I am a fervent advocate of the emergency fund! Enjoy the grandkids time!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Hi Cumbria Lass,

    Ouch, every time I pay the vet's bill, I thank god for the NHS!
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • Thanks Seasidegal :beer:
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • Thanks HappierDays, I will pop over to your diary later. Good to meet you :)
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • Hairy - absolutely it has to be done, but sometimes the dog gets spoiled more than ;)
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • Oh SunAddict, now we know why we have them when we are younger! Sooo tired now :o
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • I am sitting in a car park killing time between meetings, so I thought I would check in and let you know I survived the weekend. The children were as good as gold, but wow do they wear you out! The baby slept through the night, but I was like a new mum and kept waking up to check on her. The two year old was so good but is a bundle of true boy energy. I was so relieved when their parents came home. I got home about six, put my pjs on and collapsed into bed, too tired to even eat (bonus for the waistline).

    I have had two NSDs and two really low spend days, just £3.48. I took a packed lunch and a flask today :) I do like my fruit and had a melon that needed eating, so I chopped it up and put in a box to snack on, saved a fortune by not buying those silly little pots of ready prepared fruit or even a chocolate bar.

    My mobile phone contract is due for renewal in two weeks. My phone is old and playing up so I am going to have to get a new phone rather than just a SIM card. I cannot have a landline because BT wanted £1000 to put one in, which is just ridiculous and I need my phone for work, so I do have a monthly contract. But I have done a bit of research and reckon I can knock £20 a month off my current bill whilst keeping my free call allowance and small data allowance (mainly for whatsapp with the kids). That's £240 a year, fantastic! I am working out all my small savings on a yearly basis and you can really see how they add up. I will catch up with you all later :)
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    That’s good news on the phone purplebonnie. And well done on surviving the weekend.:)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Just found your diary

    Will be subscribing as we've started with very similar debt levels and I love following those with similar debt.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Good stuff on the mobile. I can't believe BT would charge that much to install a landline :eek:, oh hang on, yes I would :mad:

    Well done on the NSDs :)
    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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