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My journey to a debt free life

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  • Onebrokelady
    Onebrokelady Posts: 7,807 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Happy belated birthday. That all sounds so lovely x
    Thanks it was lovely 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,807 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Just quickly popped in to say thanks for the birthday wishes I did have a lovely birthday and I'm getting used to being 60 🙀😂 I've been very busy over the last couple of weeks and I've also been reading a lot so haven't had time to post. 
    My busyness has come to a sudden stop though because I'm too hot to do anything except lounge around glowing so no progress on any jobs this week. I will hopefully be back to posting again more regularly now but I'm off to bed now because I'm working tomorrow 
    Hope everyone is ok and enjoying the sun xx
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Humdinger1
    Humdinger1 Posts: 2,311 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Late to the party @Onebrokelady but happy birthday! Does The Ivy have artificial flowers attached to the loo ceiling? I've been once and found it very relaxing too love Humdinger xx 
  • Onebrokelady
    Onebrokelady Posts: 7,807 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Late to the party @Onebrokelady but happy birthday! Does The Ivy have artificial flowers attached to the loo ceiling? I've been once and found it very relaxing too love Humdinger xx 
    Thanks and yes it does ,I wish I had taken a photo I also fell in love with the pink marble sink tops 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,807 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I've had a slow day today due to not feeling too good😟 I am now down to 7mgs of steroids and it's been ok until yesterday when I felt really tired then I woke up this morning with aching shoulders and hips. I was suppose to be going into town to buy some plants but decided not to. I fell asleep in the afternoon for an hour and did feel a bit better when I woke up.
    I took B down to the river for a walk after tea which she enjoyed and then I came home and have sat in the garden relaxing. I'm going to DD2s tomorrow for lunch so that should be nice. 

    It chucked it down here all night last night which was very welcome because it's been soooo hot 🥵🥵🥵I was hoping it would cool things down but it hasn't really made much difference. We are supposed to have rain and thunder tomorrow but they said that last weekend and it didn't happen

    In money news I still haven't heard back from PRA so I'm going to email them to see what's going on. I should have paid them on the 1st of June and haven't so I'm surprised they haven't been in touch 🤷‍♀️

    My EDF bill for last month and thankfully gone down to £98 which was a relief.

    I have filled out and electronically sent back my pension paperwork but I'm not sure it went off properly so I'm going to phone them on Monday to check it arrived.  I was told it had to be done on the computer but have now found out that I could print it off and post it which would have saved me a lot of stress.

    As I said previously my employer had agreed to take me back on for 15 hours a week so I will finish on the 2nd of November then I have two weeks off and will return on my new hours on the 20th . I can't wait and I'm wishing the summer away counting down the days 😂
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Hi OBL, glad you had a lovely big birthday :) My turn next year!
    Your new work hours sound good and I'm sure you are counting down the days till then ...
    Love Deni
    LBM - October 2018; finally debt free on 16 March 2021
    2023 Mortgage Free Wannabee #92023 Mortgage free in March 23 !
    Decluttering Campaign member 2023🏅🏅 🏅⭐️⭐️
    Decluttering Campaign Member 2024 🏅🏅
    Decluttering Campaign Member 2025
  • Makingabobor2
    Makingabobor2 Posts: 4,233 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Belated birthday greetings. Just catching up after being away. 15 hours a week will be much better for you in the winter. It will come quick enough without wishing the summer away. I've found that since turning 60, 6 years ago, my life seems to have gone way too quickly. But I was 66 last week and don't feel any different, apart from the back and joints hurts a bit more....lol.  
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 929

    Books read    15
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • milann
    milann Posts: 11,413 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    The Ivy sounded great 👍
    January spends - £587.58
  • Cherryfudge
    Cherryfudge Posts: 13,336 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How are you doing, @Onebrokelady? I hope the reduction in steroids isn't hitting you too hard.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • milann
    milann Posts: 11,413 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hope you are ok.
    January spends - £587.58
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