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Lucielle's daring debt free journey
Comments
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At the end of the day there will be other horses (keeps a stiff upper lip typing this). I have to fill in the paperwork, of which there is Everest quantities of it for the bursary. Probably a job for the weekend as I am knackered at the mo. Managed 8 hours today, trying to catch up with the snow leave. Saw OH for 15 mins before he left for work.
Possibly consider a long term loan maybe but I would still have to look after the old boy. Mind you in summer he is fairly cheap to keep and I have reduced the costs dramatically last year, getting them nearer to home.
Other debt busting news British Gas a re lowering my DD from £82 to £45 per month. We were in arrears and it has taken ages to pay back. Give it a couple of months and then I'll shop around. Next months council tax payment is going in the car fund as we have 2 MOTs in the space of 2 months. OH managed to do the brakes at the weekend (and they work) so cancelled the garage appointment.
Had sausage casserole for tea cooked in the slow cooker. OH is doing turkey stir fry tomorrow night, which is yum.
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 -
Glad you are up to date with your gas bill - good timing considering the recent bad weather.... I would explore all the options re your horses - I am sure you would anyway!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 -
Oooh just noticed another medal. Go me.
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 -
dawnybabes wrote: »If you phone Tesco and explain they should re issue.....
Ooh really? I didn't know that. Thanks dawnybabes I'll give that a try.
Glad the gas bill is looking good L.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 -
Won £20 on the scratchies so have withdrawn that. Long day at work. OH has left for work. Nothing planned for tonight. That's about it.
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 done on the scratchie win - I only seem to get pence not pounds!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 done Lucielle0
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Just having a catch up Luc, very hard decision re the horses. Wish I was closer to you, would be ideal then!
Well done on your win 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 -
Boys confined to barracks today as field resembles a sponge. Quick turn around this morning and then off to work.
Managed to pay £207 off the cards. Target card is now at £750.
OH had taken DS for his dental appointment. He has had to have a root canal filling and the rest of his brace has been taken off.
Going to complete the forms for the bursary this 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 payments Lucielle..you'll have that card busted before you know it.
Hope DS was ok at the dentists.
Good luck with the form.0
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