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Lucielle's daring debt free journey

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  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Actually I think the amount is less than that as I've done a balance transfer onto Virgin but can't remember the amount. The balance left is still a fair amount
    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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OH took DS2 to footy training and picked up DD2s friend who is staying for a sleepover. Took the girls + friend into town and they had their hair cut. DD1 foung some nice jeans in Doot Ps and according to the sale price is said 50% off. Took them to the counter and they only knocked a fiver off, it was in the small print, only selected items. We both said no and left them. Bought a few bits in Lidl including a back belt type thingy for OH which he's wearing.

    Accountant had phoned whilst I was out needing info, so been scrabbling through paperwork but can't find it. Looks like a £700 quid tax bill winging its way towards us. Santander isn't as much as I said but as I cba to go and get the paperwork I'll update later.

    DS1 is off to college on Monday and I couldn't find anyone to ride shotgun so really wasn't looking forward to being on my own after I'd dropped DS1 off. Secretly OH had swopped shifts with somebody else so he's coming. What a star!!! So I think we're off to have a mooch round Keswick.

    OH didn't get paid this week. It always takes them ages to get back into the routine after Christmas. Luckily I got paid on Wednesday.
    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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a lovely day yesterday. Dopped DS1 off at college and then went into Keswick, managed to get a few more Christmas pressies for the stash. I bought the youngest 2 new back packs ready for Scout camp and always useful. Found a new school bag for DD1 but wasn't 100% sure so OH took a picci and sent it to her. Silly billy didn't have her phone with her, so she dipped out and was gutted. Honestly she's got a fancy all singing and dancing phone but never takes the ruddy thing with her.

    Loan payment comes out today, 2 to go!! Honestly I'm getting excited about making the payments and getting rid of it and snowballing the amount onto the next debt. Sad or what?!? Still no further on with the house, should we stay or go??? Think there could be a song in there!
    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
    great news on loan and good that DH and you got a day out
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Hi L
    Belated happy new Year

    have you seen a house to buy? Or rent?
    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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's one to buy, but its very expensive and.........ooh I don't know. I think my apathy speaks volumes and as OH hasn't said one way or another..........I'm still yearning after the 'one that got away' and I drive past it most days.
    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
    The right one will come along soon Im sure. Its a shame about the one that got away but it may be fate that there is an even better one for you. Happy New Year by the way, nice to be getting back into routine though.
    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)
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Ah, it hasn't grabbed either of you by the sound of it. Is there much of interest on the market where you are?
    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: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think from the sound of it the house doesn't appeal to you enough - wait until one does....

    Hope you have a great weekend
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Weekend at last. It's been a lllooooooonnnnnngggggg week and very glad to get to the end of it. Both DS' are off beating today, DD2 is helping dad at the shop and the remaning DD is going to watch torchwood. Got to go into the village to get my watch sorted (need some links taking out) and get some sweets for tomorrow. We're off to watch War Horse and maybe get DS2 some new footy boots.

    DD1 was a bit upset this week when she got some results back for her maths as she was 2 marks away from a C. She's very focused on doing her revision, unlike har older brother! She made a gorgeous chocolate brownie cake last night. I'm not normally that keen, but it was delish.
    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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