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The Last Furlong

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  • That's lovely Sunshine :). Just popping in to say Happy Christmas :xmastree: :xmassign: :santa2:.
    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
  • Merry Christmas :xmastree: xxx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • What a lovely surprise😊
    Merry Christmas and I hope you have a lovely timexx
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Christmas was a quiet affair shared with the people who mean the most to me minus my grandchildren and daughter. They arrived home last weekend and opened all their gifts they had a great time away but I am glad they are back.

    I have done some sale shopping with Christmas money and bought a new coat , bedding and mugs.

    Also some decluttering has gone on, GKs toys more have gone and more to go. An old chest of drawers has been taken today to be replaced with new sideboard to match console table in hallway.

    My new mattress is coming in about a week , need to arrange that to be got rid of.

    I am feeling a lot better within myself .
    Life is an adventure, never stop exploring.

  • As I say I feel a little more positive , I am working on my sleep, I have successfully managed no iPad or phone time for an hour before bed and during the night for the past week. If I get up in the night I read a book now , hoping to carry on with this. I am going ahead with getting some new things for my flat .

    This year hasn't been the best for me, losing the person who meant a lot to me because he can't see how wrong his actions are. The RL stuff that had gone on this year, I hope is finished for a while.

    The decade has brought many highs and lows , the next decade will bring retirement and going forward this is my main target financially. My debt is going down and will be cleared in 18 months .

    I want to thank everyone who has commented on my diaries this past year. I also have met another MSE lady this year who I hope to see again in 2020.

    Everyone have a good new year, I am not one for making resolutions or posting goals I just want to live life as well as I can , financially, health wise etc.

    See you in 2020.
    Life is an adventure, never stop exploring.

  • I'm so pleased you had a good Christmas. Or perhaps look at it as two Christmases as you had an extra present opening day with DD and DGC. :)

    Glad to hear too that you're feeling better.

    Hope you have a good New Year's Eve and here's to a prosperous 2020!:beer:
    x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Sun_Addict
    Sun_Addict Posts: 24,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm hoping for a better decade as this last one hadn't been the best, although it has brought me my two lovely grandchildren and promotion at work. This next decade will also see me into retirement which is a very scary thought :eek: I feel old :(

    Anyway here's to a fabulous new year for you xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,755 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you are feeling a bit more positive.
    Take care of you :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Went to see Little Women at the cinema this morning , really enjoyed it as did my mum .
    Life is an adventure, never stop exploring.

  • I'm glad you had a nice family Christmas and that you are feeling better generally :).

    I think one positive thing about retirement would be more time to spend seeing loved ones and activities that enrich you like Pilates or art classes (or whatever appeals to you). Also being able to take the time you need when you're ill rather than struggling in to work.
    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
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