Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • lucielle
    • By lucielle 27th Jun 08, 7:27 PM
    • 7,803Posts
    • 33,547Thanks
    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
    • 7,803 Posts
    • 33,547 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
    • 7,803 Posts
    • 33,547 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
    • 7,803 Posts
    • 33,547 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
    • 44,893 Posts
    • 155,592 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 11 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
    • 4,247 Posts
    • 11,638 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
    • 6,301 Posts
    • 30,011 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
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • lucielle
    • By lucielle 22nd Oct 16, 7:14 PM
    • 7,803 Posts
    • 33,547 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
    • 6,301 Posts
    • 30,011 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
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • beanielou
    • By beanielou 22nd Oct 16, 8:02 PM
    • 44,893 Posts
    • 155,592 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 11 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
    • 7,803 Posts
    • 33,547 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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,335Posts Today

6,027Users online

Martin's Twitter
  • Going to a very exciting premier right now... with Mrs and mini MSE, to the screening of "we're going on a bear hunt"

  • No. Not a huge fan. Never claimed to be.Just a fan. And one who choose to prioritise family time with his little gi? https://t.co/lZ9uUylk2U

  • I've just checked the score. You're right. What happened? https://t.co/5E7y52r47o

  • Follow Martin