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

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  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    First Anniversary Combo Breaker First Post
    :xmassign: HHOD xx
    Mummytogirls x

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    Thanks MTG :rudolf:
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    edited 25 December 2017 at 10:43AM
    Happy Christmas everyone, have a lovely day :rudolf::xmassmile:snow_grin:snow_laug:santa2: :xmastree: :xmassign:

    It's our first debt free Christmas :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 = £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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Wishing you and yours a lovely, fun and memorable Christmas, Hairy:xmassign::xmastree:_party_. After the past few stressful and worrying months you certainly deserve it.


    I hope Santa has brought you everything you hoped for. Enjoy an extra cider or two (or maybe something more expensive seeing as it's Christmas;)) to celebrate being debt-free:beer:. Must be a wonderful feeling.
  • please-let-me-be-lucky
    please-let-me-be-lucky Posts: 10,202 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Merry Christmas Hairy Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Willowtree222
    Willowtree222 Posts: 7,696 Forumite
    Photogenic Name Dropper First Anniversary First Post
    Hope you had a lovely Christmas xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • in_need_of_direction
    in_need_of_direction Posts: 7,282 Forumite
    First Anniversary Name Dropper First Post
    hope this was the first of many great debt free christmases
    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 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    please-let-me-be-lucky wrote: »
    Merry Christmas Hairy Xx
    Nicnak wrote: »
    Hope you had a lovely Christmas xx
    in_need_of_direction wrote: »
    hope this was the first of many great debt free christmases

    Thanks everyone we had a great Christmas :)
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    carbootcrazy wrote: »
    Wishing you and yours a lovely, fun and memorable Christmas, Hairy:xmassign::xmastree:_party_. After the past few stressful and worrying months you certainly deserve it.


    I hope Santa has brought you everything you hoped for. Enjoy an extra cider or two (or maybe something more expensive seeing as it's Christmas;)) to celebrate being debt-free:beer:. Must be a wonderful feeling.

    Thank you carboot we had a lovely Christmas :)
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    Hi everyone, I hope you all had a great Christmas :).

    The Hairy household had a lovely time. We opened our pressies, then went to my parents for Christmas day lunch and dinner, staggered back at midnight and then watched a film with DS2 and DS3 until 2.00am :D.

    Boxing day it was back to my parents for lunch and dinner. My aunt, uncle, cousin and other cousin with wife and children came for dinner, so there were 12 of us altogether :).

    Then yesterday was our annual day after boxing day party. We bought the party food in the morning and spent £43.38, which was over my budget but could have been a lot worse. I spent the rest of the day cleaning and tidying the house and bringing down extra chairs, etc. Whilst DH painted the kitchen ceiling where the shower had leaked. He only finished painting an hour before the guests arrived and went off to shower :eek:. Meanwhile I cleared away paint pots, brushes, dustsheets etc, cleaned the surfaces, swept the floor, started getting the food out etc. It was like 60 minute makeover :rotfl:.

    My parents, aunt and uncle, cousin, other cousin with wife and children, and two of my nieces with their partners came. So there were 16 of us altogether. Even DS3 joined us for half of the evening which delighted me. DS2 was the only one not not to put in an appearance. After eating we played silly old fashioned games, which was great fun :j.

    DH and I feel shattered this morning but we're pleased we did it, as our party has become a famiky tradition now and people look forward to it. So today is rest and relaxation, plus a bit of tidying up after the party. We shouldn't need to buy food for a day or two as everyone brought some :).
    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
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