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Lucielle's daring debt free journey

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Comments

  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    i never use a hair dryer but do find that the car heater helps quite a lot :)

    hope you remembered to get dressed in your hurry lol
  • :rotfl:Sounds fun L
    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:)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :rotfl:Bless !!!:rotfl:
    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: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Moi no clothes? Very, very scary thought! They would need therapy for life. Loan payment came out today so another £324.60 knocked off the debt.

    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
    Hope you have a good day and good luck with the house viewing tomorrow.
    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
    well done on the payment
    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: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Day off today. Been and scrubbed the boys stables and turned them out. Ooops pressed something I shouldn't have and now can't get it off bold. Where's a child when you need one?

    Going to view the house this afternoon not sure it will be right for us, will let you know.

    Dreading the next 2 weekends. DD1 is going to see her frined who moved down South in September. I will be driving to Lanacashire on Saturday with DD1 to stay at my parents house and then on Sunday morning driving to Sandbach services to meet friends mum to hand her over for the week. The I will have a 6 hour drive home. This will have to be repeated the following Sunday with the added potential bonus of bringing the 2 younger ones with me.

    OH has offered to do this weekend but his back has been so bad I don't want him sat in the car for that length of time. He will be off this weekend so the younger ones can stay with him.

    OH went back to the docs and she has recommended taking paracetamol and ibuprofen every 4 hours. He has got physio on Thursday. My day off next week is also going to be pants. Wedenesday afternoon after work I have to take DS1 to the dental hospital, Thursday DS2 is at the orthodontist and in the afternoon DS1 is back at his normal dentists to have a baby tooth out that hasn't got an adult tooth behind it and will cause problems later.

    Plus OH is on nights again next week, so I aim to get into work for 7am. Lovely!!

    Moan over with, I'll just have to get on with it.

    Going to make some lasagnes 1 for tea and 1 to take with me to mothers.
    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
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    oh heck Lucille, hope the driving is all easy and the roads are clear.

    If you haven't already sorted it out, you need to press ctrl +b when you're in a post to turn bold on and off.
  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    Good luck with the viewing and the driving this weekend, the things we do for our kids eh;), hope the weather and roads are good. Have a good weekend
    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)
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello all. House was lovely but not big enough. Had a mad cleaning frenzy which is not like me and I must be coming down with something!!!! Even mopped the kitchen and hallway floors.

    Paid £170 quid off the debts. I'll have to be careful as I'm not sure how much petrol money I'll need this week.

    Still not looking forward to all the driving but DD1 is beside herself with excitement. She has even organized me a packing list!

    Don't think I mentioned that the tumble drier decided to die. Everytime I plug it in it trips the switches. Asked a sparky at work and he says its probably not worth repairing. I don't use it very often but it is handy to have. Still soon be summer.
    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
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