Almost debt free and here is our next home!

I paid off my second to last debt yesterday and realised that after 2 years of mostly very frugal living, no holidays, mostly not going out or eating out (unless it was free!), and buying things secondhand, I’ve managed to pay-off around £9000 in debt! I have one more debt to pay and then I will be TOTALLY DEBT FREE!!!

It’s not as if I acquired debt through mismanagement of funds or greed, it was simply life struggles. I spent many years commuting back and forth to work spending over £300 a month in petrol and I helped support my family at times and one income into a household while paying all these things, no matter how much you cut things back, just doesn’t seem to stretch very far!

Moving near work helped enormously. At that stage (2.5 years ago) I was able to start saving and pay down the old debt bit by bit. It seems to have been forever but FINALLY I can see the winning post and it is giving me a huge sense of accomplishment.

I’m not ‘out of the woods’ quite yet though. Right now I have no income and I need to secure a job once we move house in 2 weeks time (how the hell am I going to pack up everything in 2 weeks!!). Renting is so much more expensive in Wiltshire than it is in South Yorkshire too!

Nevertheless today we got the good news that our referencing and credit checks had been completed and we are officially moving into our next rental. It’s an old townhouse but it has a garden which backs on to a park so it gave me a sense of more tranquility than you’d expect. My dream is to live back in the countryside one day…

But for now, SWINDON, HERE WE COME!

23 thoughts on “Almost debt free and here is our next home!

  1. Sis it’s me Suzy, am chuffed you’re moving and hope all goes well for you ALL XXX My New Email address is Siouxsiesioux71@gmail.com Please keep this one for Back up xxx

    On Thu, 9 Jan 2020, 21:00 The 1940’s Experiment, wrote:

    > Carolyn posted: ” I paid off my second to last debt yesterday and realised > that after 2 years of mostly very frugal living, no holidays, mostly not > going out eating out (unless it was free!), and buying most things > secondhand, I’ve managed to pay-off around £9000 in de” >

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  2. WOW! Your hard work and persistence is really paying off! You are a true inspiration to me! Way to go girl and do enjoy your new home…………

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  3. Well done Carolyn, It’s so easy to fall into debt but so so hard to get out of it, and you’re almost there (so am I, btw). Enjoy your new accommodation complete with a yard for your garden. From here it is Onward and Upward all the way.

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  4. Carolyn, I remember well your beginning to set a budget, get out of debt! I’m so pleased for you for what you have accomplished, it takes a lot of perseverance. Well done, and best wishes for moving forward. (I too live in an older townhouse with a garden, and love it.)
    Ann Lee S Vancouver Island, BC, Canada

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    • Thank you so much Ann, yes it seems such a long time ago just didn’t realise how close I was! With leaving work in December my work shares worth basically cancelled out the loan I had to buy them so that was another debt paid and it felt so good to pay off the student fees the other day. xxxxx

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  5. Well done Carolyn, it is nice to hear a success story of life to-day, put the next debt in the hands of Jesus and you will be surprised how it will be dealt with. I know I have been there and back, since my dear wife died. Alan Gander

    On Thu, 9 Jan 2020 at 22:59, The 1940’s Experiment wrote:

    > Carolyn posted: ” I paid off my second to last debt yesterday and realised > that after 2 years of mostly very frugal living, no holidays, mostly not > going out eating out (unless it was free!), and buying most things > secondhand, I’ve managed to pay-off around £9000 in de” >

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    • Thank you so much!! xxx It seemed like I could never clear these things off not that long ago and now just one debt from being debt free…. it will be an amazing feeling !!!! xxxx

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  6. Very best wishes for New Year, New Move and soon New Job.
    I have followed your story since you sold your ‘Hobbit House’ in Canada.
    So much courage and persistence, Well Done Carolyn.
    I still have not discovered how the butchers in 1940 worked out how much fillet steak you got for 1/3d compared with how much belly pork. It was that question that led to your website.

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