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  • FIRST POST
    • lucielle
    • By lucielle 27th Jun 08, 7:27 PM
    • 7,940Posts
    • 33,996Thanks
    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
    • 3,182 Posts
    • 29,187 Thanks
    Knit Witch
    Ditto from me as well - putting herself at risk is bad enough but putting others at risk .....
    OS Weight Loss 5.26/10

    V3ry - £607.34
    • lucielle
    • By lucielle 22nd Jul 17, 9:01 AM
    • 7,940 Posts
    • 33,996 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
    • 7,156 Posts
    • 34,739 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
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • lucielle
    • By lucielle 13th Aug 17, 12:14 PM
    • 7,940 Posts
    • 33,996 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
    • 4,344 Posts
    • 13,304 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."

    £150/£55 - Christmas (basically by 24th December)
    £130 - DD tutor (have until 6th Jan,but want it saved by end of year)
    £90 - DD Pony Feet/worming etc (9th Jan)
    • brizzledfw
    • By brizzledfw 14th Aug 17, 10:08 PM
    • 7,156 Posts
    • 34,739 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
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • Pippilongstocking
    • By Pippilongstocking 15th Aug 17, 8:33 AM
    • 14,844 Posts
    • 97,509 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/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • lucielle
    • By lucielle 19th Aug 17, 1:58 PM
    • 7,940 Posts
    • 33,996 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
    • 14,844 Posts
    • 97,509 Thanks
    Pippilongstocking
    Congratulations!! Fingers crossed you get a good deal. X
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:48 PM
    • 7,156 Posts
    • 34,739 Thanks
    brizzledfw
    How's it going L?

    x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 8th Sep 17, 6:54 PM
    • 48,525 Posts
    • 178,619 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
    • 7,940 Posts
    • 33,996 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
    • lucielle
    • By lucielle 22nd Sep 17, 9:18 PM
    • 7,940 Posts
    • 33,996 Thanks
    lucielle
    Well the quotes have come in terrifically expensive so back to the drawing board. Do have a builder friend down here who may consider venturing up north. I'm leaving DH to sort that one.


    Celebrated our 25th wedding anniversary whilst we were away. Not long now till we're away to Sri Lanka. Must do a financial update not sure its going to make for pretty reading. Been informed that we haven't got anything towards DD2s college accommodation costs but she has got a scholarship. I still need to find £236 per month for the next 8 months. Sigh
    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 23rd Sep 17, 9:18 AM
    • 7,156 Posts
    • 34,739 Thanks
    brizzledfw
    Boo to expensive quotes and well, kids....

    Can you get her to do some tasks for you in return? You do seem to carry a lot on your shoulders.

    Have a good weekend, glad you've been having a lovely time up north x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 23rd Sep 17, 9:18 AM
    • 7,156 Posts
    • 34,739 Thanks
    brizzledfw
    and happy anniversary..you're 5 years ahead of us

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • lucielle
    • By lucielle 23rd Sep 17, 3:41 PM
    • 7,940 Posts
    • 33,996 Thanks
    lucielle
    She's got a milking job but still owes for the car insurance and its just had a new clutch and gearbox fitted. We did the work but we have a chap who works for us and when he's working on their cars it's not making us money so she has had a bill for that. So at the moment I don't want to put too much pressure on.


    Spent a satisfying couple of hours cleaning my shed out. The furry beasts had found the grass seed which is no more. OH is going to fetch them something nice from the workshop.
    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 14th Oct 17, 8:46 AM
    • 7,940 Posts
    • 33,996 Thanks
    lucielle
    So since writing the above have had to fit another clutch to DD2s car as the first one wouldn't go into 5th. However it was secondhand and the company sent us another one free of charge. DS1s car has been mended. Its not long till he goes to New Zealand and he's got lots of job offers for when he comes back in February.


    My car had been for a service and MOT it just needed new wipers to pass.


    I was feeling broody the other weekend and I was on my own but fought the urge to get another dog. However I talked it over with OH the next day and the girls were in the room and they all thought it was a good idea. So I seized the moment and phoned the breeder we got Izzy off. It turned out that Izzys mum had had pups 3 days ago and I've got first refusal on the girls. So excited.


    Not long till we go to Sri Lanka, in fact less than 4 weeks. I think I've got everything sorted, jabs felt like a pin cushion, visas, travel insurance and passports. Just need to sort out the spending money and we're all set. The travel agent is going to book us in.


    When we come back it will be heads down and serious debt busting.
    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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