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

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  • System
    System Posts: 178,094 Community Admin
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    Wow Hairy I don't read your diary for a few days and you have had it all going on. Fines, helping book holidays, putting decorations up , bits of DIY.

    All those steps are brilliant , well done. Debt free for a month , it has gone very fast. Enjoy rest of weekend.
  • Pauper1
    Pauper1 Posts: 387 Forumite
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    I popped across to your diary as you're always so lovely on other people's. It's taken me days to read haha, but you've been on such a journey! Sorry things are so up and down. I've been feeling a bit rubbish and had a nap today too, unheard of for me. Hope things calm down for you now and you start to feel better.
    DMP start 1st May 2014 - £5,864.48 £39,349.41
    Original DFD from Stepchange 6th Sept 2039... :eek:
    Now aiming for end of 2021
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Thanks Cumbria and thanks for plowing your way through my meanderings Pauper :).

    The rollercoaster never seems to stop for DH and I but at least we don't get time to be bored :o.
    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
  • Sun_Addict
    Sun_Addict Posts: 21,299 Forumite
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    My Christmas decorations aren't up properly yet Hairy, I'm waiting until the carpets go down and we're straight again, the house is a tip at the moment. Decorations would just make it look like a serial hoarder's house :)
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • beanielou
    beanielou Posts: 90,308 Ambassador
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    Sun_Addict wrote: »
    My Christmas decorations aren't up properly yet Hairy, I'm waiting until the carpets go down and we're straight again, the house is a tip at the moment. Decorations would just make it look like a serial hoarder's house :)

    :rotfl::rotfl:
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    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.
  • Sun_Addict
    Sun_Addict Posts: 21,299 Forumite
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    Anyone remember Mr Trebus? Enough said!
    Christmas Savings 2024 £252.38/£600 April NSD:2 April Surveys £
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
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    Mine aren't up either :o Although we don't until nearer the time usually anyway. I take them down boxing day too :o I think I should be named the scrooge :rotfl:
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    edited 3 December 2017 at 11:33PM
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    It takes so long to put ours up that I like to do it as early as possible and then we have longer to enjoy them :rotfl:. I take mine down on the 6th January usually which is twelth night and I'm usually glad to see the back of them by then.

    I bet you can't wait to get your carpets down and the decorations up SA. Home improvements are great but so disruptive :eek:.
    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
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    edited 4 December 2017 at 10:31AM
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    Well we managed to build the big Christmas tree last night. It doesn't help that DH is colour blind and all the branches are colour coded :rotfl:.

    I'm going to do minimal work today as DS2 is starting his big adventure tomorrow :eek::(.

    Today I want to:

    Write DS2 a letter saying we love him and reminding him to look after himself in America.
    Write a list of safety advice for DS2.
    Put lights on the big tree.
    Finally sort through DS2's rubbish bags :(.
    Clean out the furry moron.
    Wash DS2's clothes from laundry basket in case he wants to pack them.
    Print off a copy of DS2's itinerary for us.
    Go to my hair appointment this morning.

    DH has to go with DS2 to draw out some more dollars as well today. In addition we have to help DS3 finally submit his UCAS form and take DS3 onto Dartmoor to take sunset pics for his college project :eek:.

    What did we do before we had children? :huh:
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
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    What did we do before we had children?

    Had chance to have a hot cuppa
    Managed to leave the house without a screaming fit and at least one child needing a clothing change just as you're ready to leave.
    Have a bath in peace :A Hang on even have a pee in peace

    :rotfl:

    Can you tell how my mornings been ;)

    Have a good day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
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