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Lucielle's daring debt free journey

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Comments

  • taxi73
    taxi73 Posts: 20,815 Forumite
    Well done on another debt gone..amazing.
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Well done Lucielle on getting rid of HSBC, does that mean you are personally debt free now?

    Well done to your OH as well for his employee of the month.

    You'll have rid of the next card in no time x x x
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I thought I was till I remembered about the overdrafts. Aaaah well there you go.
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi lucielle - you will soon kick those overdrafts into touch - you are doing brilliantly
    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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Rip hsbc :a
    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
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks V that made me larf!!!!

    Just got DD1 some new trainers (£12) and ordered some wellies she liked. DS2 is proving really difficult to get trainers for can't find any he likes. My chaps all have very slim feet so getting shoes to fit can be problematic.

    Bought a chicken for tea tonight. Going to sort out my recipes and try and meal plan this week. Also managed to get some reduced breadcrumbs, you know the bright orange ones you can see glowing from outer space, I fancy having a go at making my own fishcakes so that seemed like an omen when I was in the Co-op. Also got reduced deoderant and conditioner.
    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
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    First tenner to American Express. Got the total wrong its £1240 minus a tenner. According to the snowball should be gone by May. Also seen a house to view. OH should get this organised for this week.
    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
  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    Great going on the cards L, hope the house viewing goes ok too. Enjoy your Sunday.
    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)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    good luck with the house viewing... hope OH gets it sorted.

    hope the tea tastes yum. We are having roast chicken 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 10/10/25
  • You are doing so well L. Enjoy the feeling of having cleared another card off.

    I hope the house viewing goes OK
    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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