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Trials and tribulations of a Debt Free Wannabee!
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It was bike day - however a lot of other things went wrong!
We've got the bike and that bit is fab! It pelted down with rain at one point and OH still stayed dry cos he was kind of enveloped by the bike, and it has a faring (windscreen) on it and stuff.
However on the way there embarassingly we broke down on the motorway - had to call out the RAC. Was a bit scared standing there with the kids on the motorway!!! They came quite quickly but it needed a new alternator even tho a new one had been put on in July! We will be complaining to the dealer where we got it from and will try to make a claim under the warranty but we needed it fixed there and then! The people giving us the bike came and collected me and the kids and took us to their home and fed us while OH was getting the car fixed! They then let OH test ride the bike while me and the kids and his wife went to an icecream farm where we all met up.
On the way back from that we came across a really serious accident where the driver and passengers had severe injuries. Luckily I stayed in the car with the kids so didn't see it but OH and his friend went to help and apparently it was pretty gruesome!
We then had a quick coffee at their house before setting off! So basically today has gone from being perhaps an 8 hour round trip with time with friends in the middle to a complicated 12 hour day!
OH is thrilled to bits with the ride and the comfort and everything tho. Still can't believe the generosity of people OH had only met once before! shows there are still very good people in this world!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Glad everything is ok now. Sounds a bit of an horrendous day.
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 -
A significant part of it was !:eek: If we can't claim back for the alternator we are £182 down!:eek: I will give it a good go tho to get a refund :money:And at least it is fixed ready for work Monday. We were both absolutely shattered by the time we got home. I also still have all my weekend jobs eg washing to do!Glad everything is ok now. Sounds a bit of an horrendous day.
L
OH has ridden to church on the bike (show off) with a guitar on his back :rotfl:I need to finish getting read and get to church too and do sunday school.
Catch up with you all later! Hope you are having a good weekend!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
well church went okay... Sent OH to get us some rotisserie chickens - so got some frozen roasties cooking now to go with it. Resisted pub temptation as cost would be signficantly more
still got all my weekend jobs to do. have packed the dishwasher and that is about it! Still need to do all the washing!
Won £5 on bb today!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Went to bed after dinner for 3 hous as I couldn't keep my eyes open - still have everything to do! No-one has done any of the jobs in my place!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Maybe they're trying to encourage fellas more?savingholmes wrote: »hi lucielle - It's OH's account that seems to win the most LOL
Hope you've managed to recharge your batteries sufficiently for the week ahead. DH is having the same issue atm...:osavingholmes wrote: »Went to bed after dinner for 3 hous as I couldn't keep my eyes open - still have everything to do! No-one has done any of the jobs in my place!"I am indelibly stained by hope and longing" - Nuts in May0 -
I'm shattered - really hope that I am recharged enough. Have done 1 lot of washing. Put next lot in. Unpacked and packd the dishwasher etc but our front room looks like a bombsiteAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Well OH randomly applied and got accepted for a new card the other day - so will be able to move £3200 from CC3 in Jan to the new card.... Ideally then need to clear about £1500 on that card in Dec and Jan so rate doesn't jack up massively! Then target CC4 in Feb! Unfortunately tho - the 3% charge on transferring the debt will initially make it feel like I've paid very little off but have to live with that sometimes to be a successful "credit card tart":rotfl:!savingholmes wrote: »Car -4000 interest free (family loan) no set payment schedule
CC 1 -3753 interest free until Nov 2010
HP -320 interest free finishes approx Aug 2010 £40 pcm
CC 2 -1865 interest free until July 2010
CC 3 -4727 interest free until Jan 2010 priority to try and tart next as will then go to 15% approx
CC 4 -285.35 9.98% interest rate got jacked and didn't realise in time- if tart CC3 successfully would look to pay this off in a single month
approx -£14951 incl car
Net debt after savings -£13544Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Sounds like you've been busy. Glad you managed to get the bike home in the end and it just shows there are some good people out there
Completely understand what you are saying about the CC fees. I have three cards finishing this month :eek: and fortunately have offers to move them onto but it all costs...1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
0 -
Sounds like you had a bit of a day. Glad kids didn't see casualties. Must have been another tiring day and quite stressful - but with a bit of a happy ending of dh getting his bike. Glad he is enjoying it - boys and their toys.
Not very productive on the housework front here - had good intentions but the sun was shining and we decided to go out instead - can do housework next week if its raining
Hope you have a few shorter days travelling next week
MilannJanuary spends - £587.580
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