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Lucielle's daring debt free journey
Comments
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So sorry to hear about the horses lucielle. And the brace and all the other stresses. You certainly deserve a 'normal' weekend, whatever that is.Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.620
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The farmer sounds a terror. How frightening for you. Hope you find a way through soon.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
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hi lucielle -hope you manage to get a buyer for the horses.
Difficult decision re DDAchieve 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, so sorry youre having a tough time at the mo. I really hope you find good homes for the horses soon, it must be such a worry, and a hard decision to make. Hugs and thinking of you
We dont know what "normal" means either if its any consolation.:beer: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 -
Normal? I believed this only to be a term in the dictionary not an actual state of life!
Big Hugs, Farmer sounds awful x xDebt 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 -
:mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::eek::mad::mad::eek::mad:
AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAGH
Been to the orthodontists (80 mile round trip) with broken bottom brace and they asked where's the top brace? Still in DS2s chops! They needed both bits!!!!!!! Why didn't anybody tell me that on Monday? I am still a brace virgin where all this malarkey is concerned. My stress levels are even higher than they were. So the plan not to have to go to orthodontists on day off has failed miserably.
Got a riding lesson in the afternoon, method in madness as I can put up a card whilst there and maybe discuss them taking him on and splitting the costs/profit. Worth a try.
OH has now decided he isn't going to take a week off and instead do another week of nights and he is covering somebody on Saturday night. Roll on Mothers Day cos I need a day off.
Paid £25 to amex now below £800. Still not got the tax cheque. Accountant is coming on Monday so hopefully she might be able to speed it up a bit.
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 -
Another Aaaaaaaaaargh. Forgot to say that the sodding cat has been on the worktop and knocked the slow cooker lid on the floor, where its smashed into smithereens. Trouble is it was on long term loan and I think it came from the ark. Will have to look on fleabay and see if I can get a new one.
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 -
Arrrrrrrrrgggggggggghhhhhhhhhh on your behalf.I 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 -
oh heck, it doesn't rain but it pours! hope you get a break soon0
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