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Lucielle's daring debt free journey
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Great pics lucielle, hope your coping ok. At least weve got the shopping in now so wont worry too much if the next lot of snow arrives.Visa £[STRIKE]5063 [/STRIKE]now 0. Loan 1 €[STRIKE]4885[/STRIKE] now 0. Loan 2 €29,590 now €0 as of 22/02/2016 Mgage €55000/ €23,639 at 01/02/18
Proud to be dealing with my debts - DFW Nerd 1209 Keep on keeping on folks DFD FEB 2016 MGE FREE 2024 (hopefully earlier)0 -
Still trying to get the payment to go through. I have sent it the long way round I think the snail may have stopped en route as I'm desparate to update the snowball.
Next card is the HSBC which has been cleared several times over and is now at £960 ish. Going to see if the money has arrived.
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 -
Phoned the bank and because it was over £250 it has to go by BACS. AAaaaaaaagh. I remembered this as soon as he said it. Will now have to wait until next week. If I had waited until tomorrow morning it would've gone. Damn! Patience is a virtue and all that (just wish I posessed it)
DD1 has been really helpful and made 8 banana breads. Its great now she is old enough to read a recipe and do it, even washed up!
All bedding has been washed this week, ours is in the tumble dryer as I type. Just got a bill through for DD2s dyslexic lessons and its £50 less than I thought it was going to be.
I am trying to be more organized on the budgeting front. I have set up e-saver accounts for,
Cars
Christmas
holidays
Horses
rent
glasses (I need some new ones)
Trips
oil
And put a bit by each week depending on OHs wages. We are running a bit low on coal, should have enough for over the weekend.
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 -
Great idea! Love the individual savers for each thing - hope coal is OK!Total debt 26/4/18 <£1925 we were getting there. :beer:
Total debt as of 28/4/19 £7867.38:eek:
minus 112.06 = £7755.32:money:
:money:Sleeves up folks.:money:0 -
Fantastic news on the payments.
I don't know whether you will be wasting money on snow tyres..think they are good in the snow and pretty poor in compacted ice as far as I've read..maybe worth looking into.
Good idea about the individual pots for savings.0 -
Wow, thats an amazing amount to pay opff the cards in a week.
Well done you
Your snow seems much the same as ours.
Luckily I dont have the hill to contend with.
Ours started 17th Dec so now into fourth week.Gah.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 -
OH BTW Lucille have you posted on the how much have you paid off in 2009 thread?
If you havent it would be great if you could.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 -
Hi beanie, I have been over and posted on that thread after reading about it on Hyonos.
I have been on the phone to Barclays for ages. I have an agreement with the local branch to pay £10 per week off my o/d. With Christmas it hasn't happened, no problem just give the telephone banking a call. The o/d was at £1330 and I wanted to reduce it to £1250, it took me 45 mins to get through security! It should be done but not until next week!!! So frustrating as I still can't update my siggy.
OH is cooking stir fry so going to stuff my face and have another beer.
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 -
45 mins to get through security:eek:
I would have lost the will to live.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 -
hi lucielle - love the photos - that is an amazing amount of snow! Well done on the paymentsAchieve 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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