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Lucielle's daring debt free journey
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Yes, the 11th is update time. I think BB has fallen out with me as we haven't won for a few days. I'll still keep trying. OHs paperwork is looming as I've got the VAT return to do. Not really in the mood for it.
LTotal 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 #1240 -
WAS DEBT FREE & STILL BAAARRRRRKING :cool:
hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o
BAAAARRRRRRRRRRKING er insanely so
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Awwwww, that is sooooo cute. Hello right back at you. Glad you got the leaks sorted.
LTotal 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 #1240 -
that's gorgeous Shaun
Look forward to seeing sig on the 11th!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 10/10/250 -
I was feeling quite positive this week and had numerous money/debt busting plans floating around my amoeba like brain. Now I wonder why we bother I really do. I know all about the peaks and troughs, good times and bad but I just wonder if somebody is taking the pi$$ somewhere. Had a really good run of luck on the bingo and hit the target card and got rid of it.
Just had to resurrect the card as the sodding car cost a fortune and will probably need more spending on it, if of course we don't replace it (more expense). Timing belts and numerous other expensive bits needed doing to the tune of £667.31!!!! Back axle is bent and that will be £497 plus labour to repair, no wonder it has been eating tyres. l blame the roads up here, if you go in a pothole you are lucky if you get out alive.
Had my hair done which I think looks lovely, even purchased a bottle of wine but still feel so deflated. I know I am going to have to put this on the update next week and I so don't want to. Still got loads of presents to buy which will get started this weekend.
Feeling marginally better now I've had a moan.
A grumpy LTotal 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 #1240 -
sorry to hear about the step backwards, cars are necessary evils aren't they! hope you get it sorted for less than you think it's gonna cost.
moan away it's what we're here for, helping to pick each other up and dusting ourselves off.0 -
Sorry you've had to use the card again L - at least you know you can deal with getting it paid off again now though, and you can't manage without a car can you after all.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
bloody cars :mad: I resent almost every penny I spend on ours, yet I know that I cannot be without one.
((hugs))Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
sorry about the car news.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
sorry about the car news.... hugsAchieve 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 10/10/250
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