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Trials and tribulations of a Debt Free Wannabee!
Comments
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Tired know what you mean. Hope your day goes quickly.
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 -
Just to let you know I didn't win BB on purpose today and left it just for you
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
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Well done OH
Hope your feeling a bit better now SH, can sympathise with the tiredness, didn't really get much sleep myself last night due to the high winds blowing around the house and DH being away on tour
never can sleep when he's not there 
LL coming around to try and find out what is causing the Very loud noise whenever you flush the toilet tonight 3 weeks after mentioning it lol :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
Hi IMD, Lucielle and Bevan!
Hope the landlord sorts things out for you bevan!
Work has flown by today in a reasonably good way I think. I have managed to get my expenses posted off so hopefully everything is now set for a pay day either end of next week or the Monday after!
I also posted my magazine subscription with my clubcard token so hopefully will start getting that soon. Then I will have something to read at lunchtimes! I don't like putting a book down once I've started it - so prefer magazines when I have to stop and start!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 10/10/250 -
Hiya SH
Sounds like things are going well, despite the long commute - have to say I don't think I could handle your journey! am still permanently tired - so much so all I can normaly handle is reading diaries...typing replies is hard work!!
Mr Lurker is at casual job at moment so instead of housework, am catching up a bit!! not great plan, but its the one I'm going with at moment!
xI do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
Glad Mr Lurker has something! nice of you to pop along.
I think the job is okay - the commute is a killer but it is a temp job so it is not like I've made a forever commitment! Just grinning and bearing it for now!
Can't wait for pay day in theory so I can pay off debts but in reality so I can finish xmas shopping! LOL
Not won on BB today - gutted!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 10/10/250 -
starting the shopfest would be good but I don't know what to buy but dont want to buy for the sake of it!
have agreed to take part in the office secret santa....why did I do that?!?!?!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
secret santa can be fun -what is your price limit. One I did was under a fiver - I bought a pretty painted pig and chocolate coins job done!
I've got most of the xmas presents the most expensive are still left thoAchieve 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 -
I suspect it will be under £5, but I don't know anyone that well to be able to choose a present easily....still, given the amount of food that seems to be available I guess I can't go too wrong with something edible!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0
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Asda are doing 2 tins of quality street for £7 - so you could get choccies and a mini bottle of wine?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 10/10/250
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