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Lucielle's daring debt free journey
Comments
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I think I'm a right lazy mare!!! Will let you know on the meatloaf.
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 -
LOL - I think most of us underestimate the amount we do and how organised we are with things Lucielle! I understand entirely what you mean about being happy in your world - I feel pretty much the same even if that world doesn't entirely fit the model of how others "think" your life ought to be.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
You sound pretty organised to me Lucielle! Well done on all the payments! I should finally get paid tomorrow - can't wait....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 -
Hi Lucielle, well done on the payments and good news re the boys hope your plan comes off. Will give the veggie soup a try re the diet thanks.
Know what you mean re shoes and handbags, lucky if I run to a jumper or maybe jeans (if there going cheap) of course:rotfl: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 -
Paid another £50 off the card. It now stands at £400. OH was on his way home but got called back into work (overtime).
Meatloaf was very nice just need to make more of it next time. Asda have delivered much to the childrens excitement. Left the nags out until just gone 5, they came in no bother. Nothing much happening.
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 meatloaf was nice..I must get over os board and find some recipes.
Well done on the card payment..you'llsoon be rid of it.0 -
hi L,
Just caught up with your diary as I've been away for a while.
Everything sounds positive. I'm glad the snow has eventually left your part of the world although it sounds as if your OH is still getting loads of overtime!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 -
Hey I didnt know you had a diary!
Yay now ive found you........................off to catch up on what ive missed since 2008:eek:
Book Lovers - This is a nice site, you give away books you no longer want and then can "mooch" books you want from other people for free!
http://bookmooch.com/Debt at LBM [strike]£17,544[/strike] :eek: £5700:TOver £14,000 PAID OFF :T
2020 the year of less - Less debt, less waste, less spending, less stuff, less stress!0 -
Gosh, don't bother with all the boring stuff from yesteryear! Get paid tomorrow but I doubt whether I will be able to throw any more at the debt as the horsey bill is quite large.
Thanks for the tip re the books. We have a secondhand bookshop where I have an account so I treat it like a library.
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 -
Morning hope your snow has gone, none here was pouring rain but the sun is shining now, maybe spring is coming:jVisa £[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
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