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15months to debt free - I hope

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  • beanielou
    beanielou Posts: 96,115 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Lazy days are good for the soul. 
    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.
  • northAthenian
    northAthenian Posts: 123 Forumite
    Eighth Anniversary 100 Posts Name Dropper Combo Breaker
    evening @ladyholly - hoping you got some restful reading squeezed in over weekend too.  i have been enjoying a new-to-me author - David McCloskey - modern day spy novels . I read them back to back, I was so enamoured.   ('Damascus station' & 'Moscow X' - if that is a genre you enjoy, I do recommend) Also - chapeau! - Garden progress in the heat is a major achievement  :)
    #33 in 2025's 365x1p challenge - assigning amounts randomly on a daily basis

    #23 in make2025in2025
    Jan's total :£34.93  (1.72%. Le sigh....)
    Feb's total : £57.12 (2.82%)
    March's total = £123.81 (6.11%)
    April's total = £193.74 (9.56%)
    May's total =£276.40 (13.6%)
    June's total = £277.93 (13.7%)
    July's total = £286.45 (14.14%)
    Aug's total = £333.35 (16.48%)


    2024  = 365x1p challenge #10 final tally £668.10  

    i apologise now, i can't type.
    Or, my keyboard skills cant keep up with my brain.


  • ladyholly
    ladyholly Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Evening all

    northAthenian I have an idea I have read Moscow X in the past. Not tried any others.

    I have listed a couple of things that someone gave me to sell this morning. I wont be making a fortune but it clears it out of her house.

    Spent ages washing all Mr LHs camping eating and cooking stuff as his bottle of washing up liquid had leaked over all of it. Had to do it by hand as I it is all quite old and melamine and plastic so I dont know if it would survive the dishwasher. I cant believe how much he took bearing in mind it is only him and was struggling for space.

    Out in the classic car to the farm shop for bacon and black pudding, also to the well known car parts place for a new sat nav and car radio (the one in the new car doesnt work - of course it doesnt!). Walked out having waited at the counter for some help as he wanted to see the mountings on the sat navs and as there was only one member of staff who was tied up up he wouldnt wait. He has bought them on line instead. Thats a fair bit of money they have lost. I do wonder if shop had more and more knowledgeable staff they would do better.

    Having a lot of breathing problems at the moment so everything leaves me panting like mad. I am sure it will omprove again and I cant wait. 

    Meter readings done. It would be so much easier if Mr LH would have a smart meter partly so I didnt have to do the readings but also we could get a better deal. Instead we are stuck on the standard variable tariff. I think in future that can become his job. 

    Tomorrow I will try to get the camping stuff away. It mostly goes in the under stairs cupboard but to get it all in I have to largely empty it first.

    Have a good evening





  • beanielou
    beanielou Posts: 96,115 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Does Mr LH have an aversion to smart meters?  I love mine.  Makes life life so much easier.
    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.
  • ladyholly
    ladyholly Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    beanielou said:
    Does Mr LH have an aversion to smart meters?  I love mine.  Makes life life so much easier.
    Yes. He is strongly against having one. He doesnt trust them but then he doesnt trust anything wi fi based. We didnt have the wi fi on the computer until we were forced into it. He hates internet banking and doesnt like me using it but tough on that one. A perfect example of his aversion came yesterday when trying to pay for the sat nav he bought on line. I had to complete the payment because the bank wanted to send a one time code and he couldnt get it because the phone number they have is an old one. 

    It is infuriating at times and you woudnt think he was an electronics engineer before he retired.

  • jwil
    jwil Posts: 22,238 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you enjoyed the trip in the new car :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • it's because he was an engineer that he's suspicious of the tech
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,619 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    I know you have breathing problems anyway but my hayfever has gone mad again in the last week, might an antihistamine help take the edge off?
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 49

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • I have a terrible cold/ Covid (not sure) but I’m sneezing loads and feeling a bit itchy so I might try taking an antihistamine.
    35 NS&I
    258 credit union

    Credit card 2250
    Overdraft 190
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