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

edited 18 November 2017 at 10:49AM in Debt Free Diaries
15.1K replies 886.2K views
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  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    It's a process that's been evolving over the years redo. Sometimes I fall off the wagon and the spends go up, but then I try and rein it back in. No access to credit helps a lot!
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HiddenidenityHiddenidenity Forumite
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    beanielou wrote: »
    I so like your positivity.

    Me too!

    As for grocery spends do you meal plan?
    Watch how much "waste" there is. Instead of making the portions a little bigger because there isn't much left, make it spread to one extra and freeze. Then use these as a 'mixed' day or as homemade ready meals.

    As for extra spends I avoid going into town :rotfl: When I do I don't take my bank card. If I see something I need 9 times out of 10 by the time I'm going back into town I've realised I don't really need it afterall.
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Thanks HI :D

    Good advice re food. I do meal plan and take a list but I need to do it better and cheaper, so must work on that.

    A very good idea not to take my bank card into town, I didn't even think of that :o. I could take £10 in cash, leave my card at home and then I can't be tempted. If DH texts me to say can I pick up something then I'd have to say 'sorry, no can do' :rotfl:. Not that he does that very often.
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    I've rung up the vat office and told them the bill was paid in July. She said "Oh yes it has been paid, I can't understand why that letter was sent".

    Glad that one is sorted, silly to get stressed over it I know. I even looked up my bank statement which shows the payment and printed off the relevant page from my online vat account, in case I needed to send them proof. No need though as she could see it had been paid :o.

    Yesterday was a NSD and hoping today will be too :T.

    I need to go and do some work now! The sun is shining today :cool:. Have a good Monday everyone :).
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • Purplemumof2Purplemumof2 Forumite
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    Morning Hairy,

    I love lists and chuckle sometimes at the old ones I used to make :)

    Hopefully the tax office won't send you another letter, I'd keep the print out just incase.

    Have a lovely day x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £5130.00 - Lloyds: £5650.00
    Xmas Pot £485/£700 ~ EF £1000
    PAYDBX 2021 - #? £0 / £2,000
  • jwiljwil Forumite
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    Loving the lists!

    Great news about the tax office, I agree, keep your proof just in case.
    "If you can dream it, you can do it". Walt Disney
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Hi purplemum and jwil :wave:.

    Yes I will definitely keep the proof, probably forever :o.

    Today I've done another You Gov survey, and my first PA survey for which I've earnt the amazing sum of 10p, but it has to start somewhere and it took me all of 30 seconds :D.

    A NSD for me so far, but DH needs to pop out and buy some more milk while I do dinner for the grown up kids to drink and for my cups of tea. He'll probably drive because after a sunny start it's now chucking it down again :mad:.

    I had to chuck another load of laundry in the machine just now as DS3 suddenly announced he needed a particular top and hoody for college tomorrow and I'm not putting only two items in the machine :money: I wish we had a half load setting.

    Hope everyone had a good day today.
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • mummytogirlsmummytogirls Forumite
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    Weather has been awful here today too HHOD.

    Flipping kids! We would all have no washing and money without the kids in tow ha!!!! :money: Ahhh well love them anyway :D xx
    Mummytogirls x

  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Weather has been awful here today too HHOD.

    Flipping kids! We would all have no washing and money without the kids in tow ha!!!! :money: Ahhh well love them anyway :D xx

    It's so true I'd be very rich and very bored without the kids :rotfl:
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • edited 2 October 2017 at 10:02PM
    Reb2016Reb2016 Forumite
    176 Posts
    edited 2 October 2017 at 10:02PM
    Just caught up,with your diary, fingers crossed for that final creditor, and good to hear you got the tax office sorted.

    Reb
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