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Lucielle's daring debt free journey
Comments
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well done lucielle - that is still really good progress so celebrate!
I tend to go for a weekly shop - if I do it weekly online can usually stay at around £70-80 a week.... not sure what your spend looks like
Definitely agree need to get out on the horses more - for your own well being as much as anything else.
Congrats again on your progress!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 -
that's a fabulous amount to pay off Lucille and some many things have changed for you this year it's all good.0
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The shopping and whole budgeting malarkey would be easier if OHs wages didn't fluctuate so much. Each weeks pay is a different amount and it does make it hard work. The worst weeks are when he has been on leave and the wages go to basic (and I mean the bare minimum). Those are a nightmare.
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 a good honest appraisal of the situation there L - but make sure not to underestimate how well you have done this year. I absolutely take my hat off to you managing to budget when you don't really know what is coming in each month - I can't imagine being able to balance the books in that situation!🎉 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 -
Well done Lucielle. That's a massive amount you've paid off in difficult circumstances.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 0420
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Very sad day OHs bb has finished. Feel like I should dress in black for the rest of the year.
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 -
hi lucielle - we didn't win as much as you - but we were gutted when it finishedAchieve 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 gutted as well! i wonder what it tells us about ourselves.
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Well done on your progress this year Lucielle, that is a fab amount to pay off over the year.
Your BB wins are excellent as well - well done. x x xPay Debt by Xmas 16 - 0/12000
There is something about the outside of a horse that is good for the inside of a man.0 -
Yup, I too felt as though I should grieve for the loss of free money on BB when it all came to an end........but, it has been a good one for all of us I think so hurrah for that one!
Hurrah too for the amount that you have cleared - that is a stonking amount, and the "big" numbers aren't nearly so scary now! Well done you xSuccessful 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
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