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My journey to a debt free life

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  • Sorry to hear that :(. Is it the awful neighbours and their awful children?
    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
  • Onebrokelady
    Onebrokelady Posts: 7,850 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry to hear that :(. Is it the awful neighbours and their awful children?

    Yes,they had a barbecue this afternoon and one of the boys told a guest they should go and kill themselves:eek: then the older one spent the afternoon fake crying because he said his brother was hurting him,they were effing this and effing that at each other loud enough for the whole street to hear,his dad lot his rag in the end and went over and slapped the eldest boy on the leg then when he wouldn't go in the house he tried to drag him down the garden by his ankle,they are still out there now on that bloody trampoline shouting and carrying on
    They also keep throwing their empty crisp packets in my garden :mad:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Oh dear they sound dreadful :(. The whole street must be able to hear them :eek:. Perhaps they'll move before too long. We're not massively keen on our new neighbours as they shout all the time and the children cry and scream all the time. But yours sound much worse :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
  • Onebrokelady
    Onebrokelady Posts: 7,850 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Well I've planted my lettuce seeds and I've had a bit of a tidy up,I hung up the bug hotel I got the Christmas before last on my fence,it's looks really nice and will hopefully attract some bugs at some point

    My patio table has been covered in plant pots for months so I cleared them off and scrubbed the table,it needs painting so if it's nice tomorrow I might do that,I've got the paint left from last time so don't have to spend any money

    I also had enough compost to repot a couple of spider plants that we rescued from Wilkos a few months ago,they live in the kitchen and their pots were far too small,I'm going to hang them up at some point but at the moment they are on the windowsill

    I forgot I was going to wash my living room curtains today,so that will be done tomorrow if the weather lasts, I got two loads of washing washed and dried out in the garden today,I do love drying my washing outside when it's sunny,it smells so nice when you bring it indoors

    This evening we took the dog through the fields again formher evening walk,she loves going up the footpath because there is lots to sniff plus the chance of catching a stray rodent if we aren't keeping an eye on her

    Next doors cat was in our garden yesterday beating up our little cat so I went out to scare it away and took the dog with me,she chased it off and I'm hoping if it thinks the dog will chase it it might stay away,it's a lovely looking cat but it doesn't get on with ours and he now doesn't want to go outside ......a bit like me really
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Good work in the garden, you sound like you've had a very productive day :T despite the sound track from next door :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
  • Onebrokelady
    Onebrokelady Posts: 7,850 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Oh dear they sound dreadful :(. The whole street must be able to hear them :eek:. Perhaps they'll move before too long. We're not massively keen on our new neighbours as they shout all the time and the children cry and scream all the time. But yours sound much worse :eek:.

    Honestly I have never seen anything like it,they are totally out of control,I walked to the top of our hill the other day and I could still hear the eldest boy kicking off at the top of the street, the parents don't speak to them they ignore them until their behaviour is really bad then they yell at them,I'm seriously thinking of selling my house now it's so bad ,when they aren't outside kicking off they are running round the house until 3 in the morning up and down the stairs slamming doors and hanging out of their bedroom window:eek:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Onebrokelady
    Onebrokelady Posts: 7,850 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Good work in the garden, you sound like you've had a very productive day :T despite the sound track from next door :eek:.

    It was very productive and I've just been toying with the idea of buying some noise cancelling headphones :rotfl:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Onebrokelady
    Onebrokelady Posts: 7,850 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I've just been on amazon and they have ear defenders for £10.99 that are effective up to 98db,I've added them to my wish list so I can think about buying them when I get paid,I do have some silicone ear plugs that I bought for bed time so I'm going to try wearing them first to see if they cut out the noise,I don't think they will but it's worth a go
    The ear defenders are the cup type that go over your ear and I'm worried I will get too hot while wearing them,they have 5 star reviews though so might be worth trying

    I did try wearing my normal headphones and listening to a podcast but I had to have them up so loud to hear it I'm worried I will damage my ears
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Willowtree222
    Willowtree222 Posts: 8,249 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh my what awful behaviour. Unfortunately, as they get older and older, it will just get worse if they are like that now or something isn't done about them. I am so sorry.

    Despite all of that, you still had a really productive day in the garden. I used the karcher on some of the flags yesterday and smashed up the old sofa so actually feel like my garden is getting somewhere too.

    I think we have spoke about you being a night owl before. I used to be, but not been for years. I think if I could go back to my natural bodies own way, then I would eventually revert to it.

    Have a lovely day. xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Onebrokelady
    Onebrokelady Posts: 7,850 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Nicnak wrote: »
    Oh my what awful behaviour. Unfortunately, as they get older and older, it will just get worse if they are like that now or something isn't done about them. I am so sorry.

    Despite all of that, you still had a really productive day in the garden. I used the karcher on some of the flags yesterday and smashed up the old sofa so actually feel like my garden is getting somewhere too.

    I think we have spoke about you being a night owl before. I used to be, but not been for years. I think if I could go back to my natural bodies own way, then I would eventually revert to it.

    Have a lovely day. xx

    I'm hoping they aren't going to still be living here when the teenage years arrive,it's will be hell, in a way I feel sorry for them because I'm sure with better parenting they wouldn't be as bad,they always say hello to me if they see me outside and yesterday they younger one wished me Happy Easter:) they just haven't been parented effectively,I'm sure the younger one has some sort of problem but he is actually not too bad,it's the older one who is being a pain in the butt

    I used to have a Karcher but gave it to my DD and son in law with the proviso that I could borrow it if I needed it and SILs dad broke it so that was the end of that,I keep saying I'm going to get another one but I would hardly use it so it doesn't seem worth it,it would be good for doing the chicken run though I suppose
    I bet it was quite therapeutic smashing up the old sofa:rotfl:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
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