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My journey to a debt free life

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  • foxgloves
    foxgloves Posts: 12,709 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Loving hearing about the sulky chickens.
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • You always make me laugh with stories of them chickens. They probably are having a good old moan!

    our local community ask for odds and ends of yarn to help with their knitting groups for some of the vulnerable people. I gave a bag full last time but seem to have accumulated another bag full here to replace it. I’ll have to email them again to give them my others I’ve bought and not used! 
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sun_Addict
    Sun_Addict Posts: 24,217 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    See I told you not to put the chairs away yet 🤣 We often get good weather right up to early October so I keep mine out until mid October. 

    Your chickens sound real characters 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • See I told you not to put the chairs away yet 🤣 We often get good weather right up to early October so I keep mine out until mid October. 

    Your chickens sound real characters 😆
    Yep I should have listened 😀😀 never mind I'm sure it won't last long 😬
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Well I had quite a productive day in the end. The house was cleaned and then I sat down with my budget folder and worked out my budget for SC so I can phone them and do my review on Monday, I need to check and print off a couple of wage slips while I'm at work tomorrow so I can tell them how much I'm earning now. If there are any problems I'm going to go self managed, I might even do that anyway at some point because it's more flexible.
    I have also updated my signature to reflect the bank account as it is now. So the Christmas/ present fund stands at £500, the house fund has dropped down to £614 and the emergency fund is still at £1000. Im happy with these numbers at the moment and I should be able to build the house fund back up again now. I am so pleased that I have done all this work to my house and I haven't used any credit to do it, it's all been paid for with savings. I just need to work hard to build it back up again now so I can do the rest of the jobs that need doing
    The plumbing and heating man was supposed to message me last Tuesday to let me know about doing the radiators but I haven't heard from him at all😟 I'm now going to try one of the others who were recommended so will phone one of them on Monday and hope they will do the job as it badly needs doing, luckily it hasn't leaked since but I know it's going to go in a major way at some point so I need it done ASAP, I'm not going to bother with the bathroom radiator now, I will just get this one be fixed and the boiler serviced 

    I'm working a long day tomorrow and I'm dreading it already, it was crazy on Friday on the ward so god knows what tomorrow will be like. I'm off to be shortly because I have to be up early 😫😫
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Your pots are looking good - it's a lovely feeling to have an emergency fund isn't it?😃

    I hope work isn't too full on for you tomorrow. 🤞


    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • How was work? It sounds so dire at the minute. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • milann
    milann Posts: 11,444 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hope you’re not too tired after work.
    I bet you are very pleased to see the numbers coming down. It always feels a long slog but is so worth it when you get there…..keep going. Just enjoy sitting finishing your jumper in your lovely room that has been paid for without getting any more debt 👏👏👏
    January spends - £587.58
  • Your pots are looking good - it's a lovely feeling to have an emergency fund isn't it?😃

    I hope work isn't too full on for you tomorrow. 🤞


    Thanks SG, work was actually not too bad despite being short staffed,mind you two members of staff came in despite being on holiday otherwise we would have been in trouble. 
    I love my emergency fund, it's so nice to know I can replace an item if it breaks etc
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • How was work? It sounds so dire at the minute. X
    Work was ok yesterday, it is dire at the moment so it was nice to get a slightly less crazy day, today wasn't looking good though so I'm relieved I'm not there, I'm in clinics tomorrow and Tuesday is a busy clinic day so that might be a bit manic but we will see x
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
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