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Lucielle's daring debt free journey

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Comments

  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Scary night again tonight as OH and mad farmer were literally nose to nose in the yard. Fingers crossed I have somebody coming to view tomorrow.
    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
  • beanielou
    beanielou Posts: 96,645 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What a truely auful situation Lucille.
    Hopefully tomorrow.......
    Sad in one way but not if they will be safe.
    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.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hugs lucielle - well done on the payments - hope you managed to get the horses sold on in time - sorry it is so difficult with the farmer...
    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
  • lisawaters
    lisawaters Posts: 2,081 Forumite
    Hi

    First time on this thread. Seems friendly and useful.

    I started posting a few weeks ago and have had amazing support. Probably saved me doing some very silly things... I'd be grateful if forum readers could look at my thread "Please advise - it's all gone SO wrong" in the Debt Free Wannabee forum. Your experience would be helpful, specially if you know anything about getting money back from debtors, particularly builders.

    Thanks

    Mike
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Mike aka Lisa, I have subscribed to your thread but not posted. Well done you for taking the chap on. You 'sound' a different person from your first post and are doing really well.

    Can't sleep. Shoulder is really hurting not sure why. Posture, stress or a combination of the 2. I really, really hope these people turn up however I have a gut feeling they won't. Just praying that I'm wrong.

    I will try and phone a few riding schools today as he is the size of pony they would use. Not where I would really like him to go but I haven't got any choice. I did phone the vets regarding having the old boy PTS, they were very helpful. Again not a choice I want to make. This situation is horrendous. I keep thinking this time next month will be better.

    DS1 got 3 rabbits ferreting, he is a happy bunny (pardon the pun). OH got cold and wet.

    OH is doing another week of nights and for once I'm grateful then he will come with me to do the horses in the evenings, so far I've been ok in the mornings. A friend is letting me have some hay as the farmer won't supply me with any more. He has told me they can't go out today so I'll have to fill some sacks to keep them going.
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Oh lucielle, I wish I could make it better for you. I hope that today's viewer is suitable all round, and that at least you can get one of them sorted.
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    It sounds a total nightmare Lucielle. Are there any yards that would take them on as an emergency or do you have any horse sanctuarys like H.A.C.K. who could help out short term?
    Saving for a Spinning Wheel and other random splurges : £183.50
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Moo

    If I move mine to a yard (which I might have to ) it unsettles him for ages plus there is the cost to consider as it will be a lot more than where I am. I can't afford both of them at a yard. I will have a look at some sanctuaries.
    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
    Aaaaaaaagh!!!! Knew it, they aren't coming. Not panicing (much).
    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
    I really wish I had some more ideas for you but I don't!!!
    Just sending you some hugs and hope you can sort it really soon.
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