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Lucielle's daring debt free journey
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Gosh dosen't time fly. Got SAGE on and busy creating a stock file. Also had a friend over and hopefully going to get a website up and running. Children and horses feel like they have been abandoned all day as we have been holed up in the office and late getting the nags in.
OH has been called in to work, double bubble and maybe a day off in lieu. Roll on January the 8th for the catch up wages. Hope he isn't out all night.
House is reasonably tidy, must mop the kitchen floor at some point. Got to get the chaps to write their thankyou letters. Still got lots of frozen snow about and the temperature tonight was -6 and still going down. Brrrrr
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 Luc, hope the old boy is ok, the winters are such a struggle with the weight on the oldies arent they xxx
Sounds like youve had a busy day but good news for OH's double pay xxxPay 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 -
Good news for sure about the double-time L - sorry to hear that your weather is still freezing though.🎉 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 -
Hope it makes for a bumper pay packet in Jan Lucielle! Hope you have a good rest of holidays. We went to the inlaws boxing day - that was a skate rink - scary. Where we live it is not too bad...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 -
Well OH didn't make it home until 7 this morning. Lots of overtime at double rate (well til midnight). However we really need to go out today but a bit wary of the weather.
Forgotten what I'm supposed to be doing on Sage so will have to phone my guru later.
Ds1 is down at the farm allegedly he will get paid as I think they are taking the mick with him working and not getting anything. He is off to the hunt ball tonight so I have to get him to his friends house and collect in the morning.
Need to get dome more hard feed for the boys if we ever get out.
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 -
Your kids sound like they have active social lives - a hunt ball sounds grand.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 -
It is nice to see him out of wellies and in black tie. Spent a large fortune on horse feed and wormer should see them for a couple of weeks.
Its trying to snow again. OH will be back out again tonight. Better get tea on, thinking turkey curry. Took the other 3 swimming, well dropped them off and picked them up after an hour.
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 -
Well, (insert smug smilie) I have mopped the kitchen floor. After sticking to it the last few days I have tackled the job. Woe betide anybody who puts so much as toe on it before it dries. Off for a wallow in the tub.
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 -
:T:T Well done on the kitchen floor - I got OH to sweep ours earlier on but anything more labour intensive than that will have to wait until next week!🎉 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 -
Have a nice bath Luc, hows the weather doing at the mo? Its bloody freezing here tonight! xxxPay 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
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