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Lucielle's daring debt free journey

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  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had an exceedingly lazy morning and didn't get up until 10.45, was helping DD1 with her Christmas list, need to get these things planned as it takes a while for us to get through 4.

    Have baked 2 apple crumbles, got 7 sticky ginger cakes in (they are all bubbling out their tins so will have the oven to clean) and then going to finish off with some muffins. DD1 has helped and as I've done the majority of the washing up she's goi9ng to wash the tins which I hate doing.

    DS1 has done ferreting
    DS2 has caught the bus into town with friends (first time I've let him do it)
    DD1 reading
    DD2 out helping dad mechanic, she's on 50p an hour and is well chuffed. Slave drivers us.....nah.
    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
  • :) great stuff long lies :)
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lol at the 50p an hour

    We do some of that 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
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Muffins were fab. Apple and oat ones. I'm holding Memory Girl responsible for any weight gain as it was her recipe, DD1 made and 12 and there are none left!!!! Personally I blame DD2......
    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
  • Jo4
    Jo4 Posts: 6,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    lucielle wrote: »
    Muffins were fab. Apple and oat ones. I'm holding Memory Girl responsible for any weight gain as it was her recipe, DD1 made and 12 and there are none left!!!! Personally I blame DD2......
    L

    They sound delicious! I must look for recipe or by any chance do you have it handy?
  • turfy6
    turfy6 Posts: 1,479 Forumite
    Part of the Furniture Combo Breaker
    Im liking the sound of the ginger cake yum any chance of the recipe?
    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
    ok chaps here ya go:

    muffins
    1 egg
    150ml sunflower oil
    175ml milk

    in a large mixing bowl mix
    75g oats
    125g plain flour
    75g sugar
    pinch salt
    150g sultanas
    1 apple peeled, cored and diced

    Pour the wet mix over the dry and mix briefly until dry mix moist (don't over mix or you get tough muffins)

    spoon into a dozen muffin cases

    bake for 25 mins I did mine at 180c and they were ok

    Stcky Ginger

    4oz butter
    4 oz light muscovado sugar (I use normal granulated)
    2oz black treacle
    2oz golden syrup
    1/4 pt milk
    2 eggs beaten
    6oz plain flour
    pinch of salt
    1 tsp cinnamon
    3 tsp ground ginger
    1 tsp bicarb of soda

    Pre heat oven to 170c. Grease and line 2lb loaf tin. Melt butter, sugar, syrup and treacle in pan. Put plain flour and spices into food processor, cool the melted mix and bung into mixer. Whizz. Pour in the milk and beaten egg (make sure its cool or the egg will cook). Put into loaf tin and bake for approx 40 mins. Once cooled wrap in tin foil and try and leave them for a couple of days (no chance in our house). They freeze really well.
    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
  • Jo4
    Jo4 Posts: 6,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thanks for the recipe! :j :A I am looking forward to making these when hubby is better but I am not sure that they will be good for my blood glucose readings! :eek: :rotfl:
  • Hi Lucielle,

    have spent the last 3 days reading your inspirational diary as I want to be DF but don't want to give up my 3 ponies. But now I've got to the end I'm very sad that you no longer have yours, am not sure what to to do now.....I guess I already know that I can;t clear the debts and keep the ponies, so keep doing nothing!

    how are you coping withouts the GG's ?
    Debt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! NEW Goal Debt and Mortgage Free Jan 2025.
    Debt Free Diaries - TizerCat learns to stay debt free
    November NSD Challenge 12/16
    6 months emergency fund challenge £500/£6000
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello TC, hope you don't mind me calling you that. I miss grooming and riding. However its bliss knowing winter is coming and not having to stress about wether to put rugs on, bring them in at night, worry about them churning up the field etc. Not having that stress is great. However I did wear my horsey coat the other day which smelt of my old boy and I did feel exceedingly sad, however I know I did the right thing, another winter would've been cruel. My boy has gone onto big and better things. It doesn't help that DD2 has now decided she wants riding lessons for Christmas.

    Can you loan or get a sharer to help with the costs? I know hay and straw costs are going through the roof this year.
    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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