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Onwards and the debt goes downwards!
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So I've had to do a bit of money shuffling. DD2s AA renewal came unexpectedly out of my account leaving me short for the first of the month. DS1 had to buy oil which he hadn't accounted for leaving him short for his first of the month payments. Sigh. All shuffled and I know they'll pay it back.
Its frosty here, hopefully DD1 will be home at lunch and we can take the dogs out to my new favourite walk. Might get some nice photos.
Trying to get in touch with a joiner for the Skye house to fix a date to come and see us when we're up. I'd like a quote to have the fitted wardrobes revamped and a couple of other jobs.
Ds2s GF isn't going back to the horse place where she got injured, she's starting another job on Thursday at a polo yard but as a groom. I feel like I need to wrap her in bubble wrap.
The ghost tour was good but didn't see/feel anything. I did enjoy the history and hearing about things that have happened to other groups and workers.
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 #1242 -
Well done on the money shuffle.
Love the photos - they were a shot of 'light' and cheer. Make me want to go exploring. Made me think of a horses field I used to visit when I was little.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 29/7/252 -
Love those photos - nice to see the pic of the Exmoors too - lovely little ponies!
We used to regularly travel to the Hebrides via Skye but have tended to stray towards the Mallaig > Lochboisdale crossing more in recent years as it's a lot less driving on this side (over 100 miles and a couple of hours difference) in exchange for longer on the boat, which we don't mind. Having said that, I expect Calmac will screw up the timings on the crossing back again soon enough so it'll be back via Uig again for us!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
I think Calmac are due to get some new ferries but don't quote me on that. A fairly boring day today, waiting for the chap to arrive to fit a new panel on the wardrobe as one was damaged when he built it. I've emptied half of it, hope that's enough for him to do the job.
The joiner has been tracked down and an appointment made for December for some quotes.
I'm sleeping really badly again, previously I was waking at 4 for an hour but now its changed to 3. Feel drained this morning and don't know how to stop the cycle. I need to be firing on all cylinders for new job next week.
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 #1243 -
Sorry your sleep is affected. It sounds like you are weighing up big life changes which could be part of it. Hope things improve soon.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 29/7/253 -
I am same on sleep.
Please let me know if you find a solution.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.2 -
The only thing I do beanie is take a nytol when it gets too much. After writing yesterday was going to be a boring day it turned out it wasn’t.The chaps came super early to put the new panel on the wardrobe which meant I could meet up with DD2 and do some shopping. Had a lovely day and she got everything she wanted.Today I’ve had a pt session (not sure how many I’ve got left) sorted accounts and done the food shopping.Tomorrow we find out what flavour grandchild we’re going to get. Sunday off to a farmers market and craft fair.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 #1242 -
How exciting on the reveal.
Glad you had a lovely day.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 29/7/252 -
Ohh the big reveal
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.3 -
Drum roll……..we’re getting a granddaughter! A pink one!
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 #1243
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