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

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  • jwil
    jwil Posts: 19,058 Forumite
    First Anniversary Name Dropper Photogenic First Post
    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

    OMG just catching up, huge congratulations! I just shed a little happy tear for you :T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,058 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Sorry to hear about BIL, fingers crossed it's not serious. Hope you've managed a more relaxed day today xx
    "If you can dream it, you can do it". Walt Disney
  • EssexHebridean
    EssexHebridean Posts: 21,348 Forumite
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    Aww just catching up - first up sorry to hear about your BIL - hope your DH is coping OK.

    as for the other news - well Supermarket curry & bubbles indeed - WELL DONE!! Fantastic news - and can I suggest adding to those goals of yours "budget for the next lot of car tax by setting aside 1/6th of the year's cost each month from now until it expires, and 1/12th going onwards from there..." ;) Good planning for this time to not risk leaving yourselves short, though.

    So pleased for you - it's always lovely coming on here to find a post like yours! :T:T:T
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • beanielou
    beanielou Posts: 90,176 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Happy first debt free day.
    Slightly marred by the news about your BIL sadly.
    Hope the news turns out to be more positive.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    jwil wrote: »
    OMG just catching up, huge congratulations! I just shed a little happy tear for you :T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

    Thank you jwil that is really nice of you :)
    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
    jwil wrote: »
    Sorry to hear about BIL, fingers crossed it's not serious. Hope you've managed a more relaxed day today xx

    Thanks. We're hoping for the best. They're still doing tests.
    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
    EssexHebridean wrote: »
    Aww just catching up - first up sorry to hear about your BIL - hope your DH is coping OK.

    as for the other news - well Supermarket curry & bubbles indeed - WELL DONE!! Fantastic news - and can I suggest adding to those goals of yours "budget for the next lot of car tax by setting aside 1/6th of the year's cost each month from now until it expires, and 1/12th going onwards from there..." ;) Good planning for this time to not risk leaving yourselves short, though.

    So pleased for you - it's always lovely coming on here to find a post like yours! :T:T:T

    Thank you EH. Apart from a bit of worry about BIL we feel great :j

    And good advice re the car tax :)
    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
    beanielou wrote: »
    Happy first debt free day.
    Slightly marred by the news about your BIL sadly.
    Hope the news turns out to be more positive.

    Thanks beanie. We're hoping for the best about BIL as it may not be cancer.

    We feel great about the lack of debts of course :j

    Hope you're having a good day.
    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
  • Happierdays
    Happierdays Posts: 154 Forumite
    Wow wonderful! Congratulations! :):)
    Hoping for the best for your bil x
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    First Anniversary Combo Breaker First Post
    Oh my HHOD, what a stressful and brilliant few hours yesterday!!! So glad it ended well.

    Poor BIL, hope all ok xx
    Mummytogirls x

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