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  • FIRST POST
    • lucielle
    • By lucielle 27th Jun 08, 7:27 PM
    • 7,922Posts
    • 33,899Thanks
    lucielle
    Lucielle's daring debt free journey
    • #1
    • 27th Jun 08, 7:27 PM
    Lucielle's daring debt free journey 27th Jun 08 at 7:27 PM
    Ok, after reading loads of diaries and spending most of my waking moments on here I have decided to start my own diary. Hope I don't bore too many people to death. All comments are welcome.

    Just a bit of background and I will try to be brief. I am married with 4 children, 1 dog, 1 cat, 17 hens, 2 ducks and 2 horses (and I wonder why we are in the situation we are in). Our debt is from living beyond our means and a few to many costly house moves. Lightbulb moment was 11/12/07 sat in the local CAB centre being told we face bankruptcy. (remember the day vividly as it was my birthday). Since then we have both been debt busting. My oh works long hours and on shifts. He hates his job and is desperate to leave however it is well paid. In his spare time he has his own business which is what he really wants to do.

    I had a job until Feb this year, it was great and unfortuntely it closed down. I had an interview last month and got down to the last 2, no prize for second place. I am struggling to find work to a) fit in with the children and b) I cannot work on a Wednesday. 2 of our children are dyslexic and they have specialist tuition. Unfortunately where I live it is not recognised as a problem. However on the plus side I have managed to apply for a bursary and been awarded it. I am going to gather some facts and figures and I will post my SOA. That will be scary.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
Page 283
    • lucielle
    • By lucielle 28th Jul 16, 6:36 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Where are we up to? Hurt my heel doing the park run so not done that since and not much exercise of any kind unless eating far too much chocolate counts really need to get my head back in the zone.


    Off on holiday a week on Saturday so been getting things sorted for that. Still not got bank holiday week booked but fingers crossed it will go.


    Paid £2000 off the amount we owe so that brings it down to 58k. Struggling to get the student finance sorted for DD1 seem to have cocked it up good and proper. Also need to sort accommodation out for DD2 and paperwork to sort for that. The accountant seems to be avoiding me at the moment but I really need her input.


    We've had new computers installed at the workshop and I've now got a laptop solely for accounts and business work, again I need the accountant to put the accounts on! I've got a mountain of paperwork building up.


    Izzy is doing fine, she's learnt how to play fetch, sit and lie down but isn't brilliant at coming to her name so working on that.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • lucielle
    • By lucielle 24th Aug 16, 5:52 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Been on holiday the most exciting thing was seeing which way the rain was blowing. Managed to get some gardening done and planted some bulbs.


    Got a few more weeks bookings and Christmas and New Year have been booked. Hoping to get another week away in October.


    Doing a show with the garden machinery on Monday, hope the weather behaves.


    Got a meeting with the accountant tonight, things are a bit squeaky. Hoping she'll be able to keep us on the straight and narrow.


    Took the puppy to see a trainer last night. It appears that I'm doing all the right things just need to keep it up.


    DS2 has had his As level results, not good. Currently he can't go back to do his second year of A levels unless he does a photography course. Not sure he wants to do that so he's going to look at apprenticeships.


    DD2 has her results tomorrow. Strange child is actually excited by it.


    Paid another 1000 off loan so its coming down. Got a meal out tomorrow night with badminton club. DD1 said she would drive.


    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • lucielle
    • By lucielle 15th Oct 16, 7:37 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    So, all change in the L household. DD2 goes away to college 3 days a week and is on placement the other 2.


    DS2 has turned 18 and managed to bag an apprenticeship with JCB. DD1 is back to uni and a bit bored as she's only in 1 and a bit days which is costing her a fortune and I think is a complete rip off. Don't get me started.


    Had a weekend away with all the chaps to Callander, it was a comedy of errors from start to finish but a great time was had by all.


    Off up to the house next week and I'm ridiculously excited. Got a few jobs to do. Looks like it needs a new window as the mechanism is !!!!!!ed. Hopefully getting it sorted.


    Been taking the dog to classes and I really think she's made progress this week.


    Had loads of building work done but hopefully nearly finished. Decorated the living room, dining room, kitchen. Currently doing our bedroom and hallway.


    Paid £1500 off our debt
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 15th Oct 16, 8:46 PM
    • 46,755 Posts
    • 166,796 Thanks
    beanielou
    All sounding good in your world Lucille.
    Enjoy your trip
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Verbatim
    • By Verbatim 16th Oct 16, 8:39 AM
    • 4,474 Posts
    • 12,870 Thanks
    Verbatim
    Hi L
    All sounding good. Well done on paying down the new debt.
    V
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • brizzledfw
    • By brizzledfw 16th Oct 16, 10:23 AM
    • 7,012 Posts
    • 33,776 Thanks
    brizzledfw
    How's it going L?

    House sounds lovely. Great move on the debt
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    August '17 Savings Rate Goal: 25% [July 23.9 %]
    Declutter 100 items before 31.08.17 22/100 ** LSDs Target 5 for August 01/05 **AFDs 8/20 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for August xx/05 Trying to be a Frugalista
    • lucielle
    • By lucielle 22nd Oct 16, 7:14 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Up at the Scottish hoose and its so good to be here. Fantastic weather, long may it continue. Got a few outside jobs to do. Stayed at a hotel last night that took dogs and Izzy decided to woof at every noise so not a great nights sleep was had!


    The chaps are all coming up tomorrow after they've been to the young farmers masked ball. They look fab as they've sent me some pics.


    Did take the hound to the groomers and she looked amazing, however she's only been here 5 mins and has remembered the stream.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • brizzledfw
    • By brizzledfw 22nd Oct 16, 7:28 PM
    • 7,012 Posts
    • 33,776 Thanks
    brizzledfw
    Maybe the stream before the groomers next time ??!

    Great to hear you're relaxed and enjoying your break
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    August '17 Savings Rate Goal: 25% [July 23.9 %]
    Declutter 100 items before 31.08.17 22/100 ** LSDs Target 5 for August 01/05 **AFDs 8/20 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for August xx/05 Trying to be a Frugalista
    • beanielou
    • By beanielou 22nd Oct 16, 8:02 PM
    • 46,755 Posts
    • 166,796 Thanks
    beanielou
    Glad that you are enjoying the Scottish house
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • lucielle
    • By lucielle 10th Nov 16, 1:42 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Had a lovely time on holiday. Did go paintballing and wasn't looking forward to it but had a great time. Did manage to shoot OH revenge for him shooting me in the backside last time we went!


    Still waiting to have the new window installed but got the chimney sweep booked for December. Just got our first booking for next year 2 weeks in August.


    Went to help a friend on her farm milking. Thoroughly enjoyed myself. She gave me a bottle of fresh milk straight from the tank. Its in the slow cooker being transformed into rice pudding. Can't wait for that.


    Money news Sigh. Have been informed that we have been over paid by working family tax and its not a small amount. Will have to look at the budget and set up a repayment.


    Booked train tickets to go to York and do the Christmas markets. Never been so that should be good.


    Taking the dog to a doggy agility day on Saturday. Should be interesting as she's not that obedient despite going to training classes.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • lucielle
    • By lucielle 31st Dec 16, 6:54 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Gosh its a bit lonely on here, must be boring everyone to death!


    Well since I last posted I'm another year older. OH whisked me away for a night and for once I didn't find out about it.


    Had works Christmas which went ok and didn't disgrace myself. Went to the local theatre and watched an improvised pantomime which was great and definitely for adults only. It's amazing how quickly everyone's minds goes straight into the gutter.


    Everyone went to the dentists and poor OH had to have an extraction, he's on the mend now.


    Christmas Day was different this year with DS1 being away. Myself and the DDs went milking on Christmas Morning. The chaps who had the farm didn't know we were going till we rocked up with Santa hats and were Christmas Elves. The chaps had to help out at dinner time as I was a bit squiffy. Sloe gin and prosecco is lethal. Played Pictonary and luckily the girls won but it was touch and go at one point.


    Back at work on Friday but only for one day so managed that. Been to the beach quite a few times as the weather has been so good.


    Also in the process of organising a 50th party for OH. He wasn't keen but has been persuaded. Booked the village hall and waiting to hear back from a DJ. Not sure what to do about the food. Going to have a fancy dress theme of Gangsters, flappers and Molls. The chaps all wanted Peaky Blinders but not sure how many people watch it.


    Been to the opticians today. OH has got 2 new pairs of glasses, DD2 needed some and mine needed changing to varifocals so a very spendy day.


    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 31st Dec 16, 6:58 PM
    • 46,755 Posts
    • 166,796 Thanks
    beanielou
    Have a great 2017.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • lucielle
    • By lucielle 31st Dec 16, 7:02 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Thought I'd post the above as the leccy keeps going off.


    Sat down and done some financials. It's very squeaky but hopefully we can manage it. There are a few things I want to do next year so need to think up some cash making ideas and be strict on the shopping.


    We are hoping to go to Sri Lanka next November as its our 25th wedding anniversary. I'm waiting for some costs to come through, I do know its not going to be cheap. Also need to save up for the party.


    I'll have a balance outstanding on my credit card from getting the car. This needs to be moved to 0%. I was hoping to get this paid off in 12 months but think my expectations maybe a little bit high.


    Ideally I'd like to go and work for the business full time but I'm still not sure it can sustain me.


    Also need to get back on the weight busting wagon. Really want to be a stone lighter by OHs party. Still plenty to go after that but baby steps. Will possibly chart my loss on here.


    Hope you have a Happy New Year
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 31st Dec 16, 7:07 PM
    • 46,755 Posts
    • 166,796 Thanks
    beanielou
    Will also be looking for some extra money making ideas so share if you can come up with any. Ta.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Knit Witch
    • By Knit Witch 31st Dec 16, 8:01 PM
    • 2,998 Posts
    • 27,843 Thanks
    Knit Witch
    Have a great NYE and a fantastic 2017 Lucielle!
    OS Weight Loss 4.5/10
    • lucielle
    • By lucielle 31st Dec 16, 8:33 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Also so forgot to mention that the last guests in the house have damaged a window. We're going up on 13th and having a different window replaced. I'll get the chap to have a look at the damaged one but not hopeful.


    Good Wishes to you as well Knitwitch.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • Pips Mum
    • By Pips Mum 31st Dec 16, 8:42 PM
    • 2,833 Posts
    • 15,328 Thanks
    Pips Mum
    Happy New Year Lucielle, wishing you al you dream of for 2017 x
    Debt at LBM £17,544 £4111
    Over £14,000 PAID OFF

    Thank you to everyone who posts bargains on here it's helped me save a fortune for my Family
    • brizzledfw
    • By brizzledfw 1st Jan 17, 11:33 AM
    • 7,012 Posts
    • 33,776 Thanks
    brizzledfw
    Have a great 2017 Lu, and very much hope you get to go to SL

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    August '17 Savings Rate Goal: 25% [July 23.9 %]
    Declutter 100 items before 31.08.17 22/100 ** LSDs Target 5 for August 01/05 **AFDs 8/20 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for August xx/05 Trying to be a Frugalista
    • lucielle
    • By lucielle 2nd Jan 17, 8:04 PM
    • 7,922 Posts
    • 33,899 Thanks
    lucielle
    Well compared to last year I'm 11lb on top of what I still need to lose. I've really lost my motivation to exercise and need to find it. I've only done a couple of park runs all year and completely stopped doing the exercise dvd I was doing.


    This week I want to go swimming, I think for now if I set one goal a week and take it from there.


    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 2nd Jan 17, 8:28 PM
    • 46,755 Posts
    • 166,796 Thanks
    beanielou
    One goal a week sounds more manageable
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
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