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My journey to a debt free life

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  • Sun_Addict
    Sun_Addict Posts: 24,331 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Birthday ๐ŸŽ‰๐ŸŽ‚๐Ÿฅ‚
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Onebrokelady
    Onebrokelady Posts: 7,904 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks for the birthday wishes everyone. I had the loveliest day yesterday and it was lovely to see DD1 at last. We had a really nice evening in the garden chatting about everything under the sun. There was a very funny couple of moments, my patio table and chairs are very old but seemed ok, anyway I sat down on my chair and it broke ๐Ÿ™€ the bottom of one of the legs snapped right off, then a few minutes later DD2 sat down and hers broke too ๐Ÿ™€I know we have both put a bit of weight on during lockdown but not that much ๐Ÿ˜€on further examination I discovered that they were just rotten. We brought the dining table chairs out instead and thankfully the table didn't collapse. I am going to have to invest in new chairs now because one was already broken, luckily the chair that DD1 sat on is a newer one that I bought from a local shop, it's a better made chair so is really sturdy

    Today it's actually raining so I won't be doing much outside,I was hoping it might brighten up later but it doesn't look like it's going to. We have been out for a walk with B which was much more pleasant for her than the last few days have been, she was getting a bit too hot. I also have house stuff to do,I still haven't hoovered so will be doing that and I might try and clear the top of my craft desk today, it's looking very messy and the cat has taken to sleeping in amongst all the stuff that's on there, he can't be comfortable because it's mainly paper and plastic packaging ๐Ÿคทโ€โ™€๏ธ๐Ÿ™„ย 

    I also need to do my banking and budgeting today,I need to pay the window cleaner and move some savings across into the saving accounts, it will be a reduced amount this month because it's DD1s birthday on the 8th, I gave her her card and money last night so it's already gone from my account, I just have to account for it now, I've also adjusted my signature to show the Stepchange payment has come out ๐Ÿ˜Š
    Original Debt Owed Jan 18 = ยฃ17,630 Paid To Date = ยฃ6,736 Owed = ยฃ10,894
  • Omg I am so happy to report that DD got the job ๐ŸŽ‰๐ŸŽ‰๐ŸŽ‰and was in fact top out of all the candidates. She is so happy and I am so pleased and relieved for her ๐Ÿ˜€ she really needs to start believing in herself, best birthday present ever ๐Ÿ˜€
    That's fantastic news, well done to DD ๐ŸŽ‰๐ŸŽŠ. It will make her learn to drive too ๐Ÿ™‚. When does she start?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = ยฃ58,766 ๐Ÿ˜ฑ DEBT FREE 31 OCTOBER 2017 :T ๐ŸŽ‰
    EMERGENCY FUND 1 = ยฃ50/ยฃ5,000. EMERGENCY FUND 2 = ยฃ10/ยฃ5,000.
    CHRISTMAS SAVINGS = ยฃ0/ยฃ500. SEF = ยฃ1,400/ยฃ12,000 PREMIUM BONDS ME = ยฃ350. PREMIUM BONDS DH = ยฃ300.
    HOLIDAY MONEY = ยฃ0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Happy belated birthday for yesterday ๐ŸŽŠ๐ŸŽ‰๐ŸŽˆ๐ŸŽ๐ŸŽ‚๐Ÿพ๐Ÿธ๐Ÿท๐Ÿฐ๐Ÿน. Your presents sound lovely and really thoughtful ๐Ÿ™‚.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = ยฃ58,766 ๐Ÿ˜ฑ DEBT FREE 31 OCTOBER 2017 :T ๐ŸŽ‰
    EMERGENCY FUND 1 = ยฃ50/ยฃ5,000. EMERGENCY FUND 2 = ยฃ10/ยฃ5,000.
    CHRISTMAS SAVINGS = ยฃ0/ยฃ500. SEF = ยฃ1,400/ยฃ12,000 PREMIUM BONDS ME = ยฃ350. PREMIUM BONDS DH = ยฃ300.
    HOLIDAY MONEY = ยฃ0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • ladyholly
    ladyholly Posts: 4,011 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I dont know what your dd new job is but I did community care for a while and nearly always used a moped. It worked really well and the company paid my fuel exesl at the car rate as i dont think it ever occured to them that someone would use a moped. They did know I used the moped. It also had the advantage that it was much easier to park in crowded streets than a car.
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Congratulations to your dd!
    Debt free Feb 2021 ๐ŸŽ‰
  • Onebrokelady
    Onebrokelady Posts: 7,904 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ladyholly said:
    I dont know what your dd new job is but I did community care for a while and nearly always used a moped. It worked really well and the company paid my fuel exesl at the car rate as i dont think it ever occured to them that someone would use a moped. They did know I used the moped. It also had the advantage that it was much easier to park in crowded streets than a car.
    Thanks for the info,I will tell her of your experiences, she is going to be an Occupational Therapist ๐Ÿ˜Š
    Original Debt Owed Jan 18 = ยฃ17,630 Paid To Date = ยฃ6,736 Owed = ยฃ10,894
  • Onebrokelady
    Onebrokelady Posts: 7,904 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Congratulations to your dd!
    Thankyou, I've been passing on everyone's best wishes ๐Ÿ˜Š
    Original Debt Owed Jan 18 = ยฃ17,630 Paid To Date = ยฃ6,736 Owed = ยฃ10,894
  • Onebrokelady
    Onebrokelady Posts: 7,904 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Another grey day here but thankfully no rain. I have been really tired today so haven't done a lot apart from a load of washing and we went shopping for food. DD1 bought me some Montezumas giant chocolate buttons in my birthday hamper and they are sooooo nice,I can't stop eating them ๐Ÿ™€

    In other news our tv packed up yesterday, my friend gave it to us a few months ago and it was old ( big clunky plasma tv) she gave it to me because it had a much bigger screen than the tv I normally use, it's been great but recently had started making a weird noise, we tracked this to where the cable plugged in and you would have to wiggle it to get it to switch on. No amount of wiggling would work yesterday and then I noticed a slight burning smell, so the tv was swiftly dragged out to the front garden, I've previously had an electrical fire in the house before this one that gutted my kitchen so I'm very paranoid around electrical appliances
    I have never had a new television so today I decided that I would treat myself, my Mum had given me ยฃ200 for my birthday so I have used that to buy a new one,I put ยฃ99 towards it from my savings, we ordered it this afternoon and apparently it will be here between 19.00 - 23.00 hrsย 
    Original Debt Owed Jan 18 = ยฃ17,630 Paid To Date = ยฃ6,736 Owed = ยฃ10,894
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