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Lucielle's daring debt free journey

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Comments

  • beanielou
    beanielou Posts: 96,624 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Big congratulations to your DD :)
    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.
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Well done to your daughter and I am looking forward to your year update.

    x x xx
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • savingholmes
    savingholmes Posts: 29,072 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    really well done to your DD and happy birthday for tomorrow.

    This weeks been manic so far. At work about 12 hours tomorrow but then not in Friday!
    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
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Well done to your DD.
    Looking forward to the update.
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    What an intelligent daughter you have. Congratulations to her and hope the bursary is forthcoming.

    Happy Birthday
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • lucielle
    lucielle Posts: 11,582 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Morning chaps, I have got 2 days off. Shopping today and birthdaying tomorrow. Won a whole pound on the scratchies today! OH has still got his bb account but no wins for a while. Took the plunge and updated the snowball with the card back on. Still very disappointed about that. Will have to sit down tomorrow and get the figures together.

    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Happy birthday (is it today, or tomorrow?)....and well done to DD. I hope the bursary is there for her.
    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)
  • Hello, just popping in to say hello and fingers crossed for you daughter.. and happy birthday?!

    FMN xx
    LBM 16/06/08 - Credit card debts June '08 [STRIKE]£49,145 [/STRIKE].... Feb '13 balance £38,478 ... We'll get there :o
  • lucielle
    lucielle Posts: 11,582 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Birthday is tomorrow but thankyou for best wishes. Shopping nearly completed just dreaded wrapping to do. Feeling tired but pleased. Paid £339.60 off overall debt as well. I will not be beaten!!!!
    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
  • beanielou
    beanielou Posts: 96,624 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy birthday for tomorrow.
    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.
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