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Finally Debt Free After 34 Years, But Still Need to Live Frugally

edited 18 November 2017 at 9:49AM in Debt Free Diaries
14.9K replies 861.4K views
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  • HappierdaysHappierdays Forumite
    154 posts
    Good luck with your goal of debt free by xmas! You seem to be doing really well!:T
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Thanks Happierdays :).
    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 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
    HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
  • please-let-me-be-luckyplease-let-me-be-lucky Forumite
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    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
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    Happy new diary!! I have subscribed.

    3 weeks seems a long wait for a doctor's note. Have you chased it with them? Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    They said it could take up to 4 weeks lucky. I think our surgery are a bit useless :mad:. DH chased it a week ago and they said it was almost ready but was waiting for a doctor to sign it. How long does it take to sign a letter? :mad:

    DH will chase it again if we haven't heard by the end of this week.
    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 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
    HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
  • Sun_AddictSun_Addict Forumite
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    In our house it's bread, milk and bananas, none of which I partake of. I seriously think DD and Mr SA are secretly running a franchise of Monkey World the amount of bananas I buy!
    Virtual Sealed Pot 2021 £152.44
    Emergency Fund £5400/£10,000
    March NSD: 0
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    :rotfl: to the bananas. I buy about about 35 pints of milk a week SA, it's completely mental :D
    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 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
    HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
  • Reb2016Reb2016 Forumite
    176 posts
    Happy new diary, going to subscribe. Fingers crossed for you being debt free by Christmas.
    Reb
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    13.5K posts
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    Thanks Reb :)
    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 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
    HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
  • Seasidegal58Seasidegal58 Forumite
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    Well done on starting your emergency fund, but :eek: to the dodgy footstep in the middle of the night! :D

    SSG x
    Finally Debt Free! - July 2016 :j:j:j
    Finished Emergency Fund- £10,000 April 2017
    :j:j
    MONTHS TO RETIREMENT: 2
    My diary: “Paid off the £31,000! BUT- still scrimping!”
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Thanks SG it's a good start :)

    Had a NSD today apart from giving DS3 bus money for college, does that count?DS3 had a letter from college today saying he will get £40 from them towards materials for his course and £2 for each day he attends towards his lunch, so that's good news :)

    Also paid NPower and Virgin but that's all budgeted for. NPower wanted to instal a meter a few months back due to a couple of late payments :( but I managed to talk them out of it. So we're on weekly payments now, which does seem easier on our irregular income.

    Used up some leftovers from the fridge and freezer for dinner, ready for the weekly Mr T shop tomorrow.

    Still no letter from the doctor :mad:. DH said he's going to ring them tomorrow to chase it!

    I also did another You Gov survey (unusual to get two in two days) and made DH a diabetic eye screening appointment, which is overdue.
    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 = £300/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £153.37/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £350.
    HOLIDAY MONEY = £1,100 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 7 MONTHS
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