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Lucielle's daring debt free journey

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Comments

  • EssexHebridean
    EssexHebridean Posts: 24,671 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We're a bit like that with the tumble drier Lucielle - don't use it often but when we do we wouldn't want to be without it!

    Good luck with the driving!
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Hope the driving goes well L
    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
    Home, DD1 delivered to friends at Sandbach services. Journey not too bad. Stepdad was a star and drove from his house to Sandbach and back. Came home and OH had cooked a roast dinner. Very nice. DS1 had managed to scrounge a load of logs from the farm for free which is excellent.

    On a debt busting front hopefully might be able to knock another £100 off 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
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    another spot of good news, looks like OH has been accepted for the 0% balance transfer. So thats 3k plus fees transferred, hoping to pay that off at £50 per week and get it cleared before the 0% runs out. Not quite what Martin recommends but hopfully it should work for us.

    On a completely different note I NEED CHOCOLATE!!!!! Alas we haven't got any lurking anywhere.
    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
    Thats great news about the 0% card. It makes such a difference not paying interest on the debt.

    No chocolate lurking here either so nothing virtual can be sent your way alas
    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:)
  • longhotbath
    longhotbath Posts: 708 Forumite
    could send over chocolate covered marzipan hearts - dd made them for dh today! aah!!
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Glad you're back safely L and that family have done their bit.
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad things went better than expected

    Hope that this week goes okay - and you amange to pay extra off

    Great news on the 0% card
    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
    Managed another sneaky £10 to the A/E today. OH, DD2, DS2 and I went swimming today. It has really helped my neck as I have been having pains across the top of my shoulders, nape of my neck so hoping for a good nights sleep. Managed to get into work for 6.55am would've been sooner if I thought about defrosting the car when I got up.

    Cooked oceans of pancakes (which I don't like) chaps happy with those. I seem to be living on toast and butter not at all healthy but don't feel like cooking anything else. Starting to make up an Asda order, possibly put it in for Friday.

    Got to take DS1 to the dental hospital tomorrow and DD2 has been saving her money as she wants to buy some shoes. Got some money to put in the building society for the children whilst I'm in the big city.

    Looks like my car needs new back brakes now and there is an onminous (sp) 'knocking' sound coming from one side. OH thinks its a spring and it will need doing before its MOT. Deep joy.
    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
    Ouch..hope the car isn't too expensive.
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