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Lucielle's daring debt free journey

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Comments

  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    They're probably with my tesco voucher last seen 6 months ago.

    Have safely changed the last 2 lots into restaurant vouchers but that earlier one eludes me. But I did find dd's driving licence when i turned out a cupboard i thought it might be in before Xmas.
    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
  • shaun40400
    shaun40400 Posts: 4,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hi lu
    if you could look for my liberary card,whilst your at it:o

    thanks s
    WAS DEBT FREE & STILL BAAARRRRRKING :cool:
    hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o

    BAAAARRRRRRRRRRKING er insanely so :o
  • taxi73
    taxi73 Posts: 20,815 Forumite
    It's amazing what we manage to lose isn't it?
    Glad DD liked the new school.Will she start september?
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Re the school costs - if it is "right" for you all to do, then you will find a way of accommodating the costs in your SOA. It might mean other things are sacrificed, compromises may be made, and other ways of finding income may need to be hunted down, but I know from having sent mine on so many "big" trips that if you want it enough, you will find a way for it to work.
    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
    Thanks will look for those 'lost' items whilst I search for the accounts.

    Hypno, been thinking about DD and if its meant to be it will happen. Will probably sell the nags to free up some extra income. Have been thinking about this for a while.
    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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    that sounds like a major decision L. do you know how much they cost you?
    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
  • dawnybabes
    dawnybabes Posts: 3,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Verbatim wrote: »
    They're probably with my tesco voucher last seen 6 months ago.

    Have safely changed the last 2 lots into restaurant vouchers but that earlier one eludes me. But I did find dd's driving licence when i turned out a cupboard i thought it might be in before Xmas.


    If you phone Tesco and explain they should re issue.....
    Sealed pot challenge 822

    Jan - £176.66 :j
  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    Hope you find a way to manage the extra without selling the nags, that must be a hard decision to make.
    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)
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Could you advertise for a rider share to reduce your costs rather than part with them totally or send them on loan with the proviso that you can ride them as and when you feel the urge?
    Saving for a Spinning Wheel and other random splurges : £183.50
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with finding the paperwork

    Hope DD gets a bursary okay.

    A major decision re the horses - not one to be made lightly.... Hugs
    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
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