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Sort of debt-free but hope to be a super-scrimper in 2019

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  • Running_man
    Running_man Posts: 140 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi
    Sorry carboot don’t think you can really complain about the amount of interest you have been charged
    You admit you had a good job.Bought things without worrying about the price
    Nobody forced you to buy the things you “acquired”

    You had the pleasure of all these things over many years

    Now late but you have realised nothing comes free
    Good luck in your debt free journey
    Your husband is also partly to blame.He also would have received the benefit of what you bought
    So some of it should be his debt.
    If he hadn’t been so tight and gone half on purchases you wouldn’t be so much in debt
    You paid half the bills so why wouldn’t he pay half towards your purchases
    Remember only people who say money doesn't matter have already got enough :think:
  • katsu
    katsu Posts: 5,022 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    What an amazing achievement, you have cleared over £10k a year I think. Well done. I am sure that will inspire a lot of people.
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • redofromstart
    redofromstart Posts: 5,852 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Good luck with your diary and the final steps carboot
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

    GNU Mr Redo

  • shariann
    shariann Posts: 1,027 Forumite
    Part of the Furniture Combo Breaker
    Happy new year carbootcrazy! I will be following your diary and cheering you on xx
    £10 a day April - £4/£300
    2014 £110.92 2015 £3732.30 2016 £1633.66 2017 £2991.70 2018 £3255.40
    Jan £105.50 Feb £80.47March £69.30
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm glad you've started your own diary Carboot :T. I've subscribed and will return for a proper read later.
    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: 7,800 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Happy new diary Carboot,is your original debt £56,804, if so what a massive achievement managing to pay that off,I've subscribed too:beer:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • rtandon27
    rtandon27 Posts: 5,696 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Duly subscribed CBC!

    Happy new diary & thank-you for openly sharing with us your debt-free journey to date!

    Since it is the first day of the new year, here is a toast to many happy days of saving & weaving together that security net!

    xox RT
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,809 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Well done on getting your debt down. Look forward to reading about your debt free journey in 2019.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000     EF £140. Savings 2 £30.00. 17
  • the_cross_rabbit
    the_cross_rabbit Posts: 901 Forumite
    Fourth Anniversary 500 Posts
    Finally managed to track you down (sounds a bit stalkerish). Good luck with clearing the rest of the debt off. Will lurk from my rabbit hole.
    CRx
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Hello Carboot and happy new diary. I’ll follow you and cheer you on your way. I too have a history of horrendous self inflicted debt but like you are effectively free now. I understand. It’s going to be an amazing year.
    Sally
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

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