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

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  • beanielou
    beanielou Posts: 90,255 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Hopefully the money will be back today.
    At least the bank is aware of the problem.
    Hope you managed some zzz.
    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
    Thank you purplemum and beanie. I had some cider to help me sleep but I woke up after two hours feeling anxious :(

    So I read some diaries on here to try and give me some perspective. I'm know I'm better off than lots of people on here, but it's the rollercoaster of ups and downs that's hard :o
    I went from joy to horror in five minutes yesterday :(

    Still, fingers crossed that the money is returned today.

    I hope everyone else has a good Tuesday :)
    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
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Oh my your poor hubby it's all the excitement of being debt free hopefully the money will be in your account today xx
    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
    Name Dropper Photogenic First Anniversary First Post
    edited 31 October 2017 at 10:23AM
    The money's not back in the account yet :(

    DH is dropping DS1 at college but when he gets back I want him to ring customer services at the bank. He spoke to one of their call centres yesterday, but they're not really equipped to deal with anything unusual. If DH speaks to customer services then maybe the process could be speeded up in some way.

    I had about four hours sleep last night. I'm going to stay off the chocolate and booze today because I think's it's making me feel worse :(

    I had a You Gov oracle survey yesterday but nothing else.

    It wasn't a NSD because apart from bread and loo rolls, we bought cider and chocolate (ahem). Stress is bad for the budget :o Hopefully we'll spend less today, although we've only got two slices of bread left, so will need to get a loaf.

    DH, DS1 and also I have flu jabs this afternoon.
    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
    It's more complicated than we were told yesterday. The money was sent from our joint building society account to DH's closed current account. The bank are now saying the building society need to recall the money and it could take up to 20 working days :(

    We've got the Faster Payment Reference Number for the transaction from the building society and DH is going to ring the bank back. We just just want the bank to transfer the money from DH's closed account to his open account. We don't see why the money has to go back to the building society :mad:
    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
  • 117pauline
    117pauline Posts: 743 Forumite
    First Anniversary First Post
    Oh goodness!

    I don't know what to say except hang in there.

    Take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
  • Willowtree222
    Willowtree222 Posts: 7,696 Forumite
    Photogenic Name Dropper First Anniversary First Post
    Oh no, fingers crossed it's done asap.
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    edited 31 October 2017 at 12:25PM
    The money is back :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:j:j:j

    You wouldn't believe the relief :T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:
    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
    DH is ringing the creditor right now to pay the two debts straight from the building society account!

    We're not going to risk transferring the money again :eek: I don't know why we didn't do that yesterday :doh:.
    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!
    :j:j:j:j:j:j:j:j:j:j:j:j

    I am sooo happy for you!!

    What a relief!!!

    :D:D:D:D:D:D:D:D:D:D
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