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  • FIRST POST
    • lucielle
    • By lucielle 27th Jun 08, 7:27 PM
    • 7,915Posts
    • 33,867Thanks
    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 286
    • beanielou
    • By beanielou 11th May 17, 2:20 PM
    • 46,586 Posts
    • 165,682 Thanks
    beanielou
    Jeez.
    Lots of positive vibes re DS.
    REmember I had DS & GF for 22 months
    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***
    • brizzledfw
    • By brizzledfw 14th May 17, 8:28 PM
    • 6,941 Posts
    • 33,364 Thanks
    brizzledfw
    Lots going on for sure...hope DS being st home is OK..fingers crossed... and that he pays his board!!

    Back any better?

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • lucielle
    • By lucielle 14th May 17, 9:04 PM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    Hi Brizzled. the back is a lot better but still got to go for another 2 appointments. I've also booked DS1 in for an appointment with her.


    Went shopping yesterday with DD2 for a dress to wear for a wedding, mission successful. Managed to get some clothes for Sri Lanka as well.


    We were at a party last night, had a good time and not delicate today so that was a bonus.


    Did a few bits and bobs at the shop and then came home and mowed the grass.
    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 17th May 17, 5:09 PM
    • 6,941 Posts
    • 33,364 Thanks
    brizzledfw
    Pleased you're feeling a bit better. Sounds like you had a good weekend
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • lucielle
    • By lucielle 20th May 17, 7:41 PM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    Well got a houseful of people all drinking and then they are going out. I am designated driver and hiding in the office. Myself and a friend are going to go out for a meal and then collect them after they've drunk the watering hole 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
    • brizzledfw
    • By brizzledfw 20th May 17, 8:09 PM
    • 6,941 Posts
    • 33,364 Thanks
    brizzledfw
    Enjoy

    The joys of a rural simple life
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • pennywisepoundstupid
    • By pennywisepoundstupid 20th May 17, 8:10 PM
    • 4,185 Posts
    • 12,378 Thanks
    pennywisepoundstupid
    Enjoy your meal out.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Dave Ramsey babystep 1-£1000 Emergency fund- save £250/£200[/COLOR]
    School uniform £250/£250
    Save for summer £500/£370
    • lucielle
    • By lucielle 21st May 17, 6:15 PM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    Thanks. Meal out was lovely Scallops followed by duck and no room for pud, never been heard of!


    Quite a few poorly heads today. Had to do two pick up runs but everyone back by 2.00am.


    Doing a new big county show on Monday (which I'm dreading) so been sorting out what we'll take and getting the pricing organised today. Took the hound for a walk and had an early tea as I didn't have any dinner.


    How's your weekend been?
    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 1st Jun 17, 7:27 PM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    So County show done. Weather could've been better now just need to see if anything comes of it.


    Only need another £1500 to get Sri Lanka paid for and then some spending money.


    Renewed house insurance and have changed companies got it for less than quoted and with accidental damage included which I haven't had before.


    DD1 and I are off for a sneaky trip to the holiday cottage on 26th June can't wait.
    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 2nd Jun 17, 6:18 PM
    • 6,941 Posts
    • 33,364 Thanks
    brizzledfw
    Glad show went Ok and hope some leads come from it.

    Well done on the cottage...it's what it's there for after all

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • lucielle
    • By lucielle 4th Jun 17, 10:48 AM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    Still feel guilty about leaving OH but I'm sure I'll get over it!


    Current debt stands at


    Santander £1355
    LLoyds £4090
    Total £5445
    L


    So just checked back and not a great amount of repayment £158.79! Once I've got Sri Lanka and spending money sorted it will become my main focus. In the words of the great Beanie, keep plodding!
    Last edited by lucielle; 04-06-2017 at 10:51 AM.
    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 18th Jun 17, 10:14 AM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    I now resemble half a cherry tomato, clearly factor 15 face moisturiser is not strong enough!!! Note to self make sure to apply sun cream and ensure that whole of face is in the sun and to apply to tops of feet.


    Have had another booking for the holiday cottage which brings us to the magic 26 weeks mark, that doesn't include the 2 weeks booked for next year. So excited about going next week and also have the wedding on Saturday, think we're nearly sorted.


    Seem to have spent a lot my credit card which isn't good as the one that needs to be cleared each month. Spends include booking a room for DD1s graduation, gowns for said graduation etc. Still need to find £1600 for Sri Lanka might be a bit short but hopefully not.


    DD2 has got a car and I'm hoping its a billy bob bargain. Just put it through its MOT and it has failed but not as much as we thought it was going to do and all the repairs can be done by us. DD2 has been told once she passes her theory she can go for her test not bad after 2 lessons. Trouble is she's just failed her theory!
    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 19th Jun 17, 6:42 PM
    • 46,586 Posts
    • 165,682 Thanks
    beanielou
    Enjoy the graduation.
    Next week for DS
    Great news on cottage booking
    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 29th Jun 17, 10:36 AM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    Currently at the cottage. The weather has been great and done loads of walking. My body aches but it's all good. Day of rest today but got some jobs to do here. Going out for tea tonight and just had a slap up breakfast.


    Journey up was ok set off at 4.15am and arrived just after 1.30. Not sure we'll leave quite as early as that on Saturday.
    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 30th Jun 17, 6:55 PM
    • 46,586 Posts
    • 165,682 Thanks
    beanielou
    Enjoy
    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***
    • brizzledfw
    • By brizzledfw 15th Jul 17, 11:31 PM
    • 6,941 Posts
    • 33,364 Thanks
    brizzledfw
    Hope all good with you x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • mfmaybe
    • By mfmaybe 20th Jul 17, 7:33 PM
    • 952 Posts
    • 2,994 Thanks
    mfmaybe
    We'll, I've just read your diary over the last few days. Yes, all of it . (I'd read the last couple of pages and wanted to find out about the holiday cottage. Finally got to that 4 pages back ). I've loved reading through it though, you have had quite a journey. Very sad about the horses when that chapter happened; and I had a little cheer when you got a new puppy : the stuff with your family sounds tough too. You're quite the inspiration, all told!

    Anyway now I'm hooked, so keep posting
    Create credit card buffer fund £12.93/£1000 1.4%paid. Pay by Christmas 17

    Other debts paid since 1/1/14: £17,005
    • lucielle
    • By lucielle 20th Jul 17, 8:30 PM
    • 7,915 Posts
    • 33,867 Thanks
    lucielle
    WOW you must've been bored rigid! We have had a proud mum and dad moment and been to DD1s graduation last week. It was a beautiful day and everything went well. The only fly in the ointment was that I had to go and visit my sister in the afternoon. As previously mentioned she has got mental health problems and TBH I was dreading the visit. Any way needless to say it didn't go well. We went to a neutral location and sat around ignoring the elephant in the room. She chatted and was fairly normal but there was that voice saying she'll flip. True to form on the journey home she tried to leave the car while I was travelling down a narrow country lane at about 30-40mph with a car approaching. The only thing that stopped her was her seatbelt! She not only put herself in danger but the other car driver and my family. I have thought long and hard about what to do and have spent most of today on the phone to different departments trying to get somebody out to her. The other problem is that she's been removed from her GP list. There is nobody looking out for her and she's fallen through the cracks. The only advice I was given was to phone the police and ask them to do a welfare check. I'm not sure if I can cope with the abuse she'll hurl in my direction. I think I might try the Samaritans first. Can't seem to put gaps in the text so apologies for the block writing. Holiday cottage is going well and have got 27 weeks booked for this year and 2 weeks for next year. Debt payments are slow as still saving for Sri Lanka. 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 20th Jul 17, 9:13 PM
    • 46,586 Posts
    • 165,682 Thanks
    beanielou
    Hard as it is I think you need to ask the police to do a welfare check
    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***
    • brizzledfw
    • By brizzledfw 20th Jul 17, 10:24 PM
    • 6,941 Posts
    • 33,364 Thanks
    brizzledfw
    Am with Beanie on this one. Sorry. Can you do it anonymously?

    So so pleased re the graduation...you did well (clearly )
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
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