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Three years to get debt free

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Comments

  • What a busy day you've had Willow. I hope you have a relaxing evening after all that activity.
    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
  • Sun_Addict
    Sun_Addict Posts: 24,126 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A day of doing nothing sounds like heaven. Hope you manage it.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Twenty mins finding a parking space , I can guess where that was. A very busy day indeed , have a quiet one tomorrow . 
    Life is an adventure, never stop exploring.

  • stymied
    stymied Posts: 656 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    edited 15 January 2022 at 11:41PM
    You’re being so kind and generous to everyone else. Don’t forget to be kind and generous to yourself too even if that occasionally means saying no…
  • What a busy day you've had Willow. I hope you have a relaxing evening after all that activity.
    A day of doing nothing sounds like heaven. Hope you manage it.
    Thank you both,
    I am cooking tomorrow but I enjoy that. I’m hoping to see my friend too. I need a hug and he gives the best hugs. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Twenty mins finding a parking space , I can guess where that was. A very busy day indeed , have a quiet one tomorrow . 
    😂 I wanted to go at a different time but wouldn’t have heard the end of it so decided to get it over with. I picked the busiest time by the looks of it. I normally do first thing when it opens. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Willowtree222
    Willowtree222 Posts: 8,230 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 16 January 2022 at 12:25AM
    stymied said:
    You’re being so kind and generous to everyone else. Don’t forget to be kind and generous to yourself too even if that occasionally means saying no…
    Thank you. I think my issue is I don’t know how to say no to people. 

    I have to say that they provide childcare for DD a lot for me if I’m struggling. Today was hectic as we had pre planned a time I wasn’t available and getting keys was an issue. 

    I do think sometimes I need to be kinder to myself. I take a lot on x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Willowtree222
    Willowtree222 Posts: 8,230 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 16 January 2022 at 10:02AM
    Morning,

    I was watching The Pit Pony last night. Buffy’s thread suggested it for teachers and it really made me think. I’m still thinking now!

    Got a few things to think about as well. My first is a coffee machine. They’re well used in my house and I don’t currently have one. A brand has an offer on them at the minute so it would be worth me buying one. I’m waiting to see this months childcare cost though as she was off the first week and it will be reduced. 
    I’m owed £65 for a machine I sold, I just don’t have it yet. The new machine is £79 and that includes enough pods for a month so I’ve earned the money and it doesn’t change my budget. 


    All the big bills are out tomorrow. That will bring lots of positives. Mortgage lower than when I first went single, loan an extra £500 paid off. Emergency fund has started and my attempt to save is on its way.  

    I’m looking forward to cooking today. I really enjoy it. 

    X



    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • amber03
    amber03 Posts: 1,360 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    We have a coffee machine and use it everyday. I don’t mind paying out for something that will be used. Was thinking of buying a waffle maker for my GK’s to use when they stay here, but then thought might as well buy the waffles already made from the shop, as they only stay a few times a year.xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • Sun_Addict
    Sun_Addict Posts: 24,126 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We also have a coffee machine, used every day. I can’t drink instant coffee 🤢Also have 3 Ninjas but I won’t lead you down that path 😆 I do love (and use) my kitchen gadgets. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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