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Lucielle's daring debt free journey

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Comments

  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Go you LT. Free wonga is FAB
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • taxi73
    taxi73 Posts: 20,815 Forumite
    I also won this afternoon so plenty of MSERs winning..unfortunately I don't know who is who on there..lol
  • slopes in - glad to see folks winning :)
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well awake bright and early (unfortunately), OH not home yet. Purchased bingo tickets, done banking and scratchies. Paid £116 towards the debt monster and nearly got the HSBC card back to where it should be. Could use another couple of wins and then should be back on the straight and narrow.

    Got an extra one sleeping over tonight and tomorrow I think. DS2s party on Sunday which should be easy enough, hired the local pool and then having pizza and homemade chips. Will have to go shopping tomorrow and there is a Christmas Fair on in the village hall which I fancy going to. Alone if possible.

    Going to look at a house this afternoon. Wish us luck on that. Not sure about it yet.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    looking at new houses, ooohhh lovely let us know how you get on. Wow you were up early this morning, Im still very bleary eyed but must shift my a**e now sarnies to make.:beer:
    Visa £[STRIKE]5063 [/STRIKE]now 0. Loan 1 €[STRIKE]4885[/STRIKE] now 0. Loan 2 €29,590 now €0 as of 22/02/2016 Mgage €55000/ €23,639 at 01/02/18
    Proud to be dealing with my debts - DFW Nerd 1209 Keep on keeping on folks DFD FEB 2016 MGE FREE 2024 (hopefully earlier)
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Didn't really want to be up at that time. Won £2.50 on BB but decided to play it through. OH has annouced he is doing another week of nights. This is dangerous territory so by the end of the week I will be agreeing with him that the sky is blue and pink with black and yellow stripes!!!!!!!!

    Hope you all have a good day.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well after wagering my £2.50 I won £5 which is definitely worth the faff of depositing and withdrawing. Pigged out at dinner time and now feel a real bloater.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 29,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you won some more - I didn't win today but did yesterday! I did withdraw from free daily scratchcard today tho which is good!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think I have got the car insurance paid back from my bingo winnings. So its back to busting the target card which stands at £97. Hopefully have this gone before Christmas which would be great. I still have quite a few pressies to buy so I will have to go carefully.

    Had a look at the house and even though its reasonably priced (for here) for us to live in it it would need some building work. There is nothing wrong with it you could move in tomorrow, its just not big enough for us 6. Land was ok well fenced but no building for OHs business. The compromise is wait to get one that ticks a few more boxes and also has a few more noughts on the price tag. My sister and b-i-l don't want to do a build project as they feel things could get out of hand money wise.

    As I have read on a few threads the saying 'what's meant for you won't go past you'. There will be something out there. Trouble is I'm not very patient.

    The house where we are living is really getting me down at the mo. Our room is damp, the bathroom and hallway ceiling is disgusting and I noticed the other day when I was cleaning the boys room that their ceiling was looking damp.

    I have told the land agent (useles g!t) so many times and he gets these cowboy builders in who tell me its because of the loft insulation. I know I'm dizzy but not that daft!

    Ok deep breath and stop moaning. Keep on debt busting and it will help us to get out of this sistuation. Anybody doing anything nice this weekend?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 29,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you are having trouble with the house....

    Focus on the positive.... Looking forward to seeing your sig update!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
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