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Lucielle's daring debt free journey

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well done on the payments
    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
  • lucielle
    lucielle Posts: 11,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just paid another £30 off to bring the DFD a month nearer, according to the snowball.
    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
  • longhotbath
    longhotbath Posts: 708 Forumite
    well done:T
  • lucielle
    lucielle Posts: 11,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Found the accounts!!!!!! Actually the accountant had the accounts. Still 4 bin bags of rubbish gone.

    Horses are still in, they are not amused. Been and collected a bread order, so the freezer is looking fuller. DS1 is beating again, think he is saving up for an i-pod touch. DD1 has gone into town and the other 2 have friends over. OH is going to attack the chicken house and muck it out and I'm going to do paperwork for DD1s bursary. Lucky me.
    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
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Glad you found them!!!
    Good luck with all the other stuff
  • lucielle
    lucielle Posts: 11,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Woo hooo. Guess who's getting £510 coming shortly? Yup me. Sadly OH has a £500 tax bill to pay. Shame. At least he has got the money put away. Organised chap (me). Hopefully this will leave the HSBC card gasping for breath and then I can get it finished off beginning of February. Depending when the tax rebate comes through.

    Nothing much to report. Strangely quiet weekend and not a lot to show for it. Going into work early tomorrow and should bet caught up with hours this week. OH is stable boy fot the week (must make those breeches tighter) and is in charge. Boys are still not amused at being confined to barrackes. Did open the curtains this morning and it had the audacity to be snowing!!!! Snowing I tell you! It was those big slushy flakes that make everything soggy.

    Can you tell I've nearly consumed a bottle of Baileys (Lidl equivalent) with OH? Hopefully OH will be on nights for the February half term so child care ahould be ok.

    Ohs car is going to need MOTing at the beginning of February. Asked him to start getting it prepared ready. I know it will need a couple of new tyres. Spare has a slow punture.

    DS1 has reported today that the bike he got for Christmas has got a puncture, as he pulled a thorn out the tyre. Joys of living in the countryside.
    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
  • Pippilongstocking
    Pippilongstocking Posts: 16,336 Forumite
    edited 25 January 2010 at 11:18PM
    Hi L its all money in on and money out - sighs - hope some of it is OK! Ergh to soggy snow and I hope the bursary filling form bit works out ok!

    Its grey and damp here - and dark. Pah - we've a few days off in Feb which I hadn't accounted for - argh!
    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:
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Am not sure if I've read the post right..are you getting £510 back and paying it off the card and paying the rest in feb?
    And DH has £500 tax to pay but he has that saved...
    If so..wooohooo!!!!!..great news
  • lucielle
    lucielle Posts: 11,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's right Taxi.
    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
  • WorkingHardDFW
    WorkingHardDFW Posts: 1,324 Forumite
    edited 26 January 2010 at 11:02AM
    Sounds like good news on the £510 card L - enjoy the Baileys!!
    Working Hard to be Debt Free - one day :A soon
    DFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100
    Total Nov07 £36000, Sep10 £1623:o:)
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