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“Rock bottom became the solid foundation on which I rebuilt my life.”
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It's lovely to have a holiday to look forward to and making Christmas stockings sounds fun
. 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 MONTHS0 -
I hope you have a lovely holiday. I agree with the others, as long as the minimums are being paid, don't worry about bashing the debt and enjoy making memories."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 McGee0
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Thank you again for all the lovely replies x
Smalls are all in school so I am packing suitcases and things (well supposed to be
I'm actually on here having a coffee) There still doesn't feel enough hours in the day.
Hope everyone is well
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
There's always time for a coffee and DFW break. 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 MONTHS0 -
Happy holidays 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.0 -
Afternoon
Now I'm really back and will be back to regular posting. Will update the debt figures tomorrow.
Holiday was amazing, lots of lovely memories made although we did spend quite a bit more than usual. It was so worth it. I have booked to go back next October So that needs paying too.
Hope everyone is well
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
So glad you had a good holiday. You can’t put a price on memories.
Hope you are doing ok XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Thank you, I am doing a lot better health wise. Over the worst of it and I think that makes everything else easier.
Smalls are all doing well. Had a fab parents evening and for once they agreed with certain areas I feel need a bit of work. Mainly youngest's speech. In comparison to most other kids her age she is quite behind although we do understand her. I think I have to keep reminding myself she didn't actually start 'babbling' words until she was nearly 3 so she will be behind her friends. She has grown so much in the last 3 months. Her confidence is growing and she's much more willing to try things. I really do think her adoring her teacher has made this happen. Such a difference to last year.
We have so much on with school running up to Xmas and I think I need here to keep me on track with a budget and things. It's so easy for smaller things to slip in when you're not keeping track.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
So pleased you had a lovely holiday and glad you're back posting I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Nice to see you back, W xxHave adventures. laugh a lot and always be kind.0
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