Onwards and the debt goes downwards!

Hi All Old diary is here http://forums.moneysavingexpert.com/showthread.php?t=1000559 I can't do the posh linky things.


Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store. DD1 starts her daytime lambing job before progressing onto lambing job number 2 which is nights. DS2 is still doing his apprenticeship and just bought a new to him car. DD2 is just coming to the end of her lambing job and is then back to college.


Our debt has crept up again, mainly through helping kids with their insurance, which they will pay back. Currently its at 14k, not great but doable. It hasn't helped that I needed new glasses and DS1 took his washing machine back so had to purchase a new one.


I have also just finished at my job of 9 years and aim to work with OH and develop our business further. Watch this space.
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
«134567205

Comments

  • beanielou
    beanielou Posts: 90,266 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Great to see you have a shiny new diary :)
    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.
  • Knit_Witch
    Knit_Witch Posts: 4,436 Forumite
    Combo Breaker First Post
    Oooh shiny new diary - happy debt busting!
    Must use my stash up!
  • savingholmes
    savingholmes Posts: 27,371 Forumite
    Name Dropper First Anniversary Photogenic First Post
    HI Lucielle - I used to subscribed to your diary. I am back on the boards after a break - but with far higher debt. Will be watching your journey with interest. My DS is about to go for a study abroad year to Australia with all the financial challenge that brings with it.

    Hope your business is going well.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.3K
    3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • lucielle
    lucielle Posts: 10,733 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Hello SH, it's been a while how are you? Have you got a diary?
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi L....good news that the kids are all so gainfully occupied...lots of interest in farming I see :) which is great. Debt is a pain after all your hard work but youve kicked it once and you can do it again.

    Have subscribed..keep posting

    Have a great Sunday

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • beanielou
    beanielou Posts: 90,266 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Have a good day :)
    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.
  • lucielle
    lucielle Posts: 10,733 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Also to add to our woes, last year our beloved pick-up needed replacing, poor Morris Mazda had to go as he was getting uneconomical to repair he had clocked up an impressive 155k but had a tough life.


    OH decided he didn't want another pick-up but did need something capable of pulling a very large trailer (one that can take 4 ride-on lawn mowers and a couple of pedestrians). We stumbled across the Mercedes ML320. Our farmer next door has one which he tows his cattle trailer with. A quick trip up to Edinburgh saw us procure this fine vehicle. It needed a towbar on which we had fitted by an expert and all was well with the world. OH loved it, we all loved it. Anyway last week OH thought it was making a bit of noise and the trailer needed a service. Whilst moving DS1 the trailer was put onto his pick-up at which OH discovered the towbar was coming off. Not to worry probably a bolt had sheared off.


    Fast forward to Monday. Not only had the bolt sheared off it looks like the chassis is heading in the same direction! No chance of fitting the towbar somewhere else or welding it as it wouldn't hold. After a bit of wailing and head scratching we have made the decision to sell it. Its fine to drive just not pull a trailer.


    OH is buying DS1s Discovery off him as he's got a works vehicle and is going to trundle round in that. This tank has got more lights on the dash than Blackpool illuminations, so that's going to be a work in progress. When we ever retire we can look at getting a merc again.


    Just been and got the number plate made up for the trailer, had my eyebrows threaded as they were getting a life of their own and OH and DS2 got their hair cut.


    Spent last night getting train tickets for London at the end of April £74 return (shhh first class both ways, yippee)
    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
  • mfmaybe
    mfmaybe Posts: 1,176 Forumite
    First Anniversary First Post
    Subscribing to your new diary :hello: Good luck with the new debt and the big changes.

    I have a Disco 2 with a disco dashboard. I just ignore :p
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • lucielle
    lucielle Posts: 10,733 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Just managed to make a small saving so sitting in the smug zone. I had cover fro 3 of my appliances which was £23.99 per month. I have revised the plan and it now comes in at £15 per month. Only a small saving but it all helps
    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: 10,733 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Lots of snow. Really glad I'm not at work. Instead I'm on a cleaning mission and currently attacking best press on and not get side tracked on here!
    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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