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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down
Comments
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Love your point about budgeting for a few luxuries that make you feel good.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
Good to hear from you Humdinger .Life is an adventure, never stop exploring.2
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Humdinger! How lovely to hear from you! I was only thinking about you the other day & wondering how you were getting on.
F x2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!2 -
Glad you’re back 🙂I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪2
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Good to hear from 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Thanks everyone for all your lovely comments. As part of the stocking up process, I've pulled back from Wa*tr*se. There is a cashback offer (5% if you spend £100 or more) but it's just not worth it...the cost of everything has risen so much! I believe in good quality food but surely there's a limit?! I've requested a small monthly drawdown from my pension and I can send it back every month within 30 days if I do get another job and don't need it. I'd stop drawdown at that point. Feeling better. Love Humdinger xx11
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So, mixed news to report. Starting with grumpiness and moving upward: S*ur*p*dy walking shoes. Bought in Feb for £40; wore till summer so approx 3 months and then put away as too warm. Putting them back on, the zip on one broke. It will cost £39 to repair! Emailed co from website and no reply so went to R*solv*r and have put in case there. If both went the same way it would cost twice the amount to repair than it cost to buy! Credit card co says it can do nothing though I might ring again.
In better news, am ringing old client tomorrow re poss new project. DH has also fixed the printer saving £245 on a new one!
I'm gradually getting used to the reality of a good life on less money than I've ever had. Happy Sunday to all readers love Humdinger xx6 -
Hope you get a positive response to your complaint.
I love hearing about people living a good life on lower incomes. It's very inspiring."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 McGee3 -
Sounds like the quality of the walking shoes and their customer service has declined… 🤞for a positive outcome to your complaint!Like jwil, I also love reading about people having a good life on a smaller income. Makes it seem possible for us, once we clear the millstone-mortgage … 😉
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 35 books of target 52 in 2026 as @ 24th May.
Produce tracker: £119 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Shoe business in liquidation. Sadly I can't claim under charge back or section 75. Liquidators say no money in bank...3
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