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Lucielle's daring debt free journey
Comments
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Glad you found the accounts - £510 coming your way is also good news!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 -
Good news LucilleI 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 -
Gosh I seem to lurch from one horsey hassle to another. Hopefully it will get sorted tomorrow. OH has been a star doing the boys and is being quite supportive at the moment.
Posted DD1s bursary forms off today. We'll have to see what happens. Have also withdrawn from the scratchies. Might just put that money away until the MOTs are done. Payday next week. Will only be for my basic hours but at least I will've saved my precious leave.
Money is pretty tight this week. Think we've only got 4 quid until Friday. DS1 has just lent me some money to buy some milk in case OH forgets tonight.
I have made sausage and apple pie ready for tomorrow nights tea and some broccoli and stiltoon soup that OH has been badgering me to make. Not sure what we will be having for the rest of the week.
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 -
Hope you manage to conjure something up for the meals..I'm sure you will.0
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Yeay for the extra pennies Luc, that should make a nice difference.
Cant believe you have had snow, hopefully it has banished itself from these parts!
Hope horseys are well 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 -
Busy old week. Had to pick DS1 up as he had stayed late at school. Got home to hear pssssst, OH car tyre going down. Trouble is the spare is still sat in the boot waiting to be reapired from the last slow puncture. Guess where I'm off to today. Looks like operation tyre is commencing. Hope the ruddy thing sales through its MOT, which is looming at the beginning of February. Actually just checked the paperwork and OHs car due 1st of March. Mine is due April.
Horses are fairly settled at being in, though the last few days have been nice. Chap has ridden mine out twice this week and I must get on myself. Spent a nice morning giving the old boy a brush and attacked his tail. He is such a sod. I tied him up outside through a piece of baler string with his lead rope and started to muck out his stable. Next thing he is stood looking at me! The old sod had chewed through the baler string! This is the horse with hardly any teeth. Been told that the cost of a bale of hay is going up. Great. Boys you're on rations.
I have made several extra payments to the HSBC card. Today a loan payment has come out for £86. This is finished in April and I want to keep the payment going and increase it by £20. So to keep the momentum going I paid an extra £20 today.
I think OH has been accepted for the Abbey card at 0% for 15 months. If that's the case £3000 will be transfered onto it off the bank of Scotland (should that be England now?) card. I know its not the way to do it but OH is going to set up a DD for £50 pw to be paid off it then it should get paid up before the 0% runs out.
Got all the childrens beds washed and out on the line. They might need a short time in the tumble drier just to finish off. Thrown all the pet bedding in and put that on a boil wash. Got some soup prepped for tea and made 6 paper logs. Discovered I have a hole in the bucket I soak the paper in and a hole in my welly.
Bought 2 boxes of eggs yesterday. Went in hen house and they had decided to lay. Typical. Right off to practice my tyre wrenching skills.
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 -
You've been exremely busy ..you never stop.Hope the tyres can be fixed.0
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Hi Lucielle - all that sounds mentally and physically exhausting! Well done on the extra payments - and on your sheer bl**dymindedness in just keep pressingon no matter what life chucks your way.
good luck with making the food stretch, hope you get the tyres fixed ok too!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 -
Thanks for posting chaps. Sometimes feels a bit lonely on this thread. Dropped tyres off with OHs words ringing in my ears 1 new tyre and 1 repair. Yeah right! 2 brand new spanking tyres for his car, and whilst I was there, could you check my car over. Its already got the spare on as the other is knackered. So the 'new' spare got done and put back on. 3 tyres later. The rest of mine should be ok until the beginning of April when the MOT is due. Which is good as the car fund pot is now empty.
Got some horse feed which the boys were very pleased about. Found some spare cash in my account and went to Lidl, spent £16.73. Busy trying to put an ASDA order together for next week.
Wish the tax would come through then I can pay it off the card.
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 -
Tax will probably take a few week to come back.
It's always a pain when needing new tyres.Glad the horses like the new food.0
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