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

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Thank you purplemum. I feel weak with the relief :o

    When I recover from the stress I'll really happy :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    It's done DH and I are now debt free :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
    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
    Name Dropper First Anniversary First Post I've been Money Tipped!
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    HairyHandofDartmoor wrote: »
    It's done DH and I are now debt free :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

    That is brilliant, well deserved and I'm glad you're going to stick around :D:D :beer::j:T
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Thank you purplemum :) Tonight we can finally celebrate :beer:
    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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    I've adjusted my signature :D

    I've also have posted on the debt free roll of honour. I've been dreaming of doing that since I joined DFW in 2006 :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
  • tryingtodobetter
    tryingtodobetter Posts: 359 Forumite
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    edited 31 October 2017 at 2:51PM
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    I've just started following your diary (It was the username that caught my eye as I live on the edge of Dartmoor) and wanted to say well done, what fabulous news :j:j:T:T:j:j
    Credit Card Debt
    2019 - £7520
    2023 - £1975
    Pay Debt by Xmas #29
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,594 Ambassador
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    Just caught up on all the shenanigans of the last few days and glad that the last creditor accepted your F and F. Debt free at last and hopefully will stay that way.

    As you have irregular income I would focus on your emergency fund for now and the bits and pieces you need to do to your house. Most urgent ones first. Also get on to the gov.uk site to get a quote for your state pension so at least you know that is fully funded. Good luck.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    edited 31 October 2017 at 3:11PM
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    Thank you tryingtodobetter, aren't we lucky both living near Dartmoor :) Thanks for popping by my diary :)

    enthusiasticsaver wrote: »
    Just caught up on all the shenanigans of the last few days and glad that the last creditor accepted your F and F. Debt free at last and hopefully will stay that way.

    As you have irregular income I would focus on your emergency fund for now and the bits and pieces you need to do to your house. Most urgent ones first. Also get on to the gov.uk site to get a quote for your state pension so at least you know that is fully funded. Good luck.

    Thank you enthusiasticsaver that's good advice.

    Yes we need to build up our emergency fund and after that get urgent stuff done to the house, like re-rendering to get rid of damp. I'm also keen to look up how much state pension we will get, so thanks for the link :)

    We won't go back into debt because we have no access to credit and don't intend to have any. I've learnt my lesson the hard way :o I intend to save up for things the old fashioned way and buy them with cash :)

    Once we've celebrated (frugally) today I'm going to get really focused and make lots of to do lists :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
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    HairyHandofDartmoor wrote: »
    It's done DH and I are now debt free :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j


    Woo hoo fantastic news :beer:
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Thanks abba :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
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