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  • FIRST POST
    • lucielle
    • By lucielle 27th Jun 08, 7:27 PM
    • 7,931Posts
    • 33,946Thanks
    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 287
    • Knit Witch
    • By Knit Witch 21st Jul 17, 12:03 PM
    • 3,049 Posts
    • 28,172 Thanks
    Knit Witch
    Ditto from me as well - putting herself at risk is bad enough but putting others at risk .....
    OS Weight Loss 1/10
    • lucielle
    • By lucielle 22nd Jul 17, 9:01 AM
    • 7,931 Posts
    • 33,946 Thanks
    lucielle
    Well the weather is pants and my plans have been cancelled. I was supposed to be going over to a friends to play with her ponies and get some poop for the raised beds, that's not happening.


    Going to a 90s themed fancy dress party tonight (what were the 90s famous for?) OH is attempting to go as The Fresh Prince of Bel Air but as half of his costume hasn't arrived its not looking great. I'm going as Urma Thurmans character from Pulp Fiction. I did think about ginger spice and the union jack dress but as I'm rather rotund I didn't think I should inflict that on the world!


    Forgot to mention that DS1s working dog has 9 puppies. Sadly one didn't make it though we did try to bottle feed it. They are 4 weeks old now and cute. Managed to sell 4 and got a card up for the others.


    I've been going to a personal trainer in a bid to be less rotund and get fit for Sri Lanka. Did some weights yesterday and boy do my shoulders and arms ache today.


    Off to Oban on Thursday with my girls and a friend back on Sunday. Staying in a youth hostel but haven't really got anything planned.
    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 28th Jul 17, 5:00 PM
    • 7,063 Posts
    • 34,171 Thanks
    brizzledfw
    Have a great time in the Gateway to the Highlands..love it there..you cannae beat a trip on a CalMac too
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • lucielle
    • By lucielle 13th Aug 17, 12:14 PM
    • 7,931 Posts
    • 33,946 Thanks
    lucielle
    Had a lovely time away, so good booked another weekend to go away with the family!


    DS1 has been over the border shearing sheep but is home now. DD2 has been to the capital to have a few days away with a pal.


    OH has had a trip to A&E after falling out with an iron bar. The iron bar won and he needed his head gluing back together.


    I rescued a hedgehog that's now had an operation and it had pulled through. I think he's going to the local hedgehog lady to convalesce. He may come back to me to be released.


    Off out for Sunday lunch with the badminton crew today, looking forward to that.


    Got to make the huuugggeee payment for the holiday this week. Not quite at target but will have it cleared by the time we go. Also made appointment to have our jabs.
    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
    • pennywisepoundstupid
    • By pennywisepoundstupid 13th Aug 17, 12:42 PM
    • 4,293 Posts
    • 12,879 Thanks
    pennywisepoundstupid
    All sounding good. Ouch to OH head and well done rescuing the hedgiepig(what DD calls them).
    Be mindful of your self-talk. It's a conversation with the Universe."
    Save for summer £500/£500
    EXTRA DEBT PAYMENT AUGUST -MBNA£1000/£373
    • brizzledfw
    • By brizzledfw 14th Aug 17, 10:08 PM
    • 7,063 Posts
    • 34,171 Thanks
    brizzledfw
    All sounding promising Lu...but huge ouch to OH. That doesn't sound pretty xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Pippilongstocking
    • By Pippilongstocking 15th Aug 17, 8:33 AM
    • 14,821 Posts
    • 97,150 Thanks
    Pippilongstocking
    OUCH! indeed to the head me dear - I hope he's ok. And, you are too!
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£520, Credit Card 2 £2710.57/£2400
    Total Debt as of 6/8/2017 £5755.40 eek: 30/8 £4820 PAID off £735.40
    :
    • lucielle
    • By lucielle 19th Aug 17, 1:58 PM
    • 7,931 Posts
    • 33,946 Thanks
    lucielle
    DD2 has passed her driving test. Gawd help us. At least that's the last of them. Just trying to get insurance sorted.
    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
    • Pippilongstocking
    • By Pippilongstocking 19th Aug 17, 5:28 PM
    • 14,821 Posts
    • 97,150 Thanks
    Pippilongstocking
    Congratulations!! Fingers crossed you get a good deal. X
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£520, Credit Card 2 £2710.57/£2400
    Total Debt as of 6/8/2017 £5755.40 eek: 30/8 £4820 PAID off £735.40
    :
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:48 PM
    • 7,063 Posts
    • 34,171 Thanks
    brizzledfw
    How's it going L?

    x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • beanielou
    • By beanielou 8th Sep 17, 6:54 PM
    • 47,176 Posts
    • 169,487 Thanks
    beanielou
    Still recovering from the shock of the insurance?
    Hope all well with you.
    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 9th Sep 17, 6:56 PM
    • 7,931 Posts
    • 33,946 Thanks
    lucielle
    Hi Chaps, thanks for looking in. Everything is good, currently up at the house. We spent Thursday night at Crianlarich Youth Hostel and then on Friday morning walked up Ben Nevis, it nearly killed OH and I. Spent Friday night in a lovely B&B in Fort William. 2 of the kids were supposed to join us today but they broke down and are currently being recovered back to home. They are going to use DD1s car and come tomorrow. Fun and games.


    Got a builder coming on Monday to price up some changes at the holiday cottage. I want to put a stove in the corner and taken out the open fire and chimney breast, since that will mean new flooring, put in underfloor heating whilst that floor is up and then move the hot water tank into the loft. So not much then.
    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
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