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  • FIRST POST
    • lucielle
    • By lucielle 27th Jun 08, 7:27 PM
    • 7,902Posts
    • 33,826Thanks
    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
    • 46,306 Posts
    • 164,130 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
    • 6,847 Posts
    • 32,927 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
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • lucielle
    • By lucielle 14th May 17, 9:04 PM
    • 7,902 Posts
    • 33,826 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
    • 6,847 Posts
    • 32,927 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
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • lucielle
    • By lucielle 20th May 17, 7:41 PM
    • 7,902 Posts
    • 33,826 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
    • 6,847 Posts
    • 32,927 Thanks
    brizzledfw
    Enjoy

    The joys of a rural simple life
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • pennywisepoundstupid
    • By pennywisepoundstupid 20th May 17, 8:10 PM
    • 4,104 Posts
    • 11,980 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
    School uniform £250/£110
    Save for summer £500/
    • lucielle
    • By lucielle 21st May 17, 6:15 PM
    • 7,902 Posts
    • 33,826 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
    • 7,902 Posts
    • 33,826 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
    • 6,847 Posts
    • 32,927 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
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • lucielle
    • By lucielle 4th Jun 17, 10:48 AM
    • 7,902 Posts
    • 33,826 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
    • 7,902 Posts
    • 33,826 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
    • 46,306 Posts
    • 164,130 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***
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