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Onwards and the debt goes downwards!
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Ooh, fab 💗Sealed pot challenge 822
Jan - £176.66 :j2 -
OOOh big congratulations
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 -
Oh woohoo to getting a pink one - fantastic! You must be so excited!
Some sleep stuff I have found - some of this may not apply at all, but might to someone else:
ANY alcohol at all affects the quality of my sleep at all. My Garmin has really underlined this to me as it's got quite good sleep tracking on it. However...
If you have anything like a FitBit, beware of too much reliance on the information it provides. My old FB used to tell me I got FAR less sleep than in fact I did as I think it basically tracked every time I moved position as me waking up. The Garmin if anything probably slews the other way, but as that means I worry less about "how much sleep I'm getting" I think the overall stress is reduced.
Avoiding having anything to drink within a couple of hours of bedtime helps reduce incidences of waking
I found that going to bed and just looking to go straight to sleep works for me sometimes - if I'm feeling sleepy when I get in, reading can often leave me feeling slightly awake, so just settling down straight for sleep helped me maximise my time actually asleep.
I've pretty much stopped having caffeine at all past about midday now. I'm not a coffee drinker anyway, but now use decaff teabags in the afternoons and evening as well.
Getting into bed with cold feet REALLY affects how fast I drop off, and my feet don't warm up fast even if the rest of me feels toasty under the covers!
🎉 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 -
EH~~Also cant sleep with cold feet!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 -
Woohoo 🎉🎉🎉 🥳🎈🎈🎈 excellentAchieve 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 29/7/251 -
Congratulations - exciting news that a granddaughter is on the way.
Hope all went well with starting your job.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
Started job on Monday and they hadn't got me a desk. Luckily knowing the company my expectations weren't very high. Called the stationery chap they use and he came and measured up, so that's ordered and may arrive before Christmas. Late morning a computer arrived and to be honest I did very little on Monday. I've been invited to the Christmas lunch which I said I'd go. They asked if I wanted to do the secret Santa and I know I sound like a grinch but I said no. I don't know half the people who work in the office next door and I'll not be there from June onwards.
DD1 came in for a meeting on Tuesday as she will start in April full time which I hadn't realised and neither had she. She's still unclear what the job will be but by the time she starts I'll hopefully have more of an idea myself! It is nice working in a warm office, I go over to the shop at lunch to have dinner with OH and it is flipping freezing.
My car decided to be poorly on Saturday and went into limp mode. OH dropped it off yesterday at the garage and £400 later its fixed. New battery and some wires had come out of the wiring loom. I've been out in it today and it seems ok.
I've bought some wool to do the babies blanket, in girlie colours. Got some Christmas cards, thought I had some as I usually buy them in January but I can't find them. A last minute stocking filler and that was about it.
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 -
Congrats on grandchild to be, always exciting finding out what gender they are.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
No desk!!!!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 -
Congrats on the knitting. Good you can still meet OH at lunch
Ouch to their disorganisation and to your car bill.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 29/7/250
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