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Onwards and the debt goes downwards!

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  • lucielle
    lucielle Posts: 11,526 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today sees me leave my fourth decade and enter the fifth!! Scary and how on earth did that happen?!

    OH has done a brilliant job. Friday we took the dogs to the beach and had lunch out. Big bunch of flowers and chocolates. Whisked away to a hotel and spa. Had a lovely massage and OH had one as well, followed by a swim. A nice meal later on. 

    The next day he’d secretly packed some clothes for me to wear, booked in at a different hotel and then the off spring turned up along with a good friend of there’s to fill the gap DS2 left because he’s in New Zealand. A meal out and I’m ready for a rest!

    later on today we’ll go to the Sunday market that’s on the quayside and head for home. 

    I did get a message from my sister yesterday, they’d been away visiting their daughter and grandson, came home and discovered they’d been burgled and had their car pinched. 
    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
  • Humdinger1
    Humdinger1 Posts: 2,322 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Happy birthday @lucielle! Loving your diary.  Onwards and upwards love Humdinger xx 
  • Blackcats
    Blackcats Posts: 3,918 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Happy birthday - sounds like a lovely weekend of celebrations.
    I love making baby blankets (and particularly baby girl blankets)
  • beanielou
    beanielou Posts: 95,809 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happiest of birthdays to you  :smile:  xx
    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.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about your sister's news.

    Glad your DH did right by you for your birthday and you had a lovely celebration. Happy birthday from us too!
    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 29/7/25
  • Oh what a lovely day you had - and belated happy birthday!

    Awful for your sister though - what a shock to get home and find that. 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,526 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It was -10 this morning when I arrived at work it was a balmy -8. OH stayed at home to wait for the engineer to sort out the heating upstairs. I can confirm it’s nice and toasty as I lie in bed writing this. 

    I’m slightly annoyed at DD1, she’s been here as she was supposed to be working tomorrow but has just found out it’s been cancelled. The milking parlour is taking a couple of hours to defrost. Anyway I came home and she’s helped herself to some Christmas cards and 1 was one I’d purchased with a specific person in mind. The first I knew of it was when she said oh that card with the funny caption was just what I wanted!  I know in the grand scheme of things it’s not the end of the world but I’m going to have to sort another one and just grrrrr!

    I have a naked tree in the living room and to be honest I’m not bothered if it stays like that!
    bah humbug
    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
  • beanielou
    beanielou Posts: 95,809 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Bah humbag indeed!
    Glad that the heating is fixed  :)
    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.
  • I am also bah humbug. My youngest asked me once if I hated fun. Really made me think about how I am perceived by others!
    Debt free Feb 2021 🎉
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