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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
    Happy New Year everyone, I hope 2010 is going to be a great year.
    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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year Lucielle -hope that you have a better year for all the family in 2010
    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
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    i so remember thank you letters from my childhood. I know my sister always asked me to add her name to my letters but she's now got her comeupance. She has to write them for 4 children now! really the eldest two could write their own but i don't think i ever happens.
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No letters = no presents. Wish OH was home.
    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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    my kids don't do thank you letters - but I have never received them either
    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
    Happy New Year xxx
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Happy New Year Lucielle, hope 2010 is a great one for you. xxxx

    Extra cuddles for the neds x x x x
    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.
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Years Day Morning. OH has just phoned he can't get home! Must have 7-8 inches of the blooming white stuff. Its going to be a long 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
    Sorry that OH is stuck - not a great start to the year! I hope that he is home soon and that you have a good day x
    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)
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    To add to my woes we are running out of milk.
    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
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