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Onwards and the debt goes downwards!
Comments
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Great news on the new job, congratulations! xx2
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What fantastic news on the job offer L - well done you! have you warned Mr L that he needs to buck his ideas up or you're going to start digging?!
🎉 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 -
Congrats on the job. Its all starting to come together now*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £780
*Total debt - £7780/£11641.17*
Savings
*Savings Buffer - £350/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Going north on the 11th for a week, will arrange to meet new boss and get paperwork completed.DS1 has had a bit of a shock as part of his new job he gets a house. It’s been refurbished and a new kitchen put in. He got an email to say it should be ready on 10th February and was he going over to measure up for carpets and curtains. That’s not going to be cheap! Told him to just get curtains for their bedroom and babies room and try the charity shops. Said we’d go with him to measure up.Working an extra day this week. Everyone is off to an event and I’ve been nominated to man the office. Gee thanks! Did say I don’t normally work Thursday and would it be double time?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 #1241 -
Congrats on the job.
LOL at patio reference.
Congrats to DS.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 10/10/251 -
Well Mr L has taken a digger up and I’m not afraid to use it! I’m sure he’ll find something when he’s ready!!EssexHebridean said:What fantastic news on the job offer L - well done you! have you warned Mr L that he needs to buck his ideas up or you're going to start digging?!
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 -
lucielle said:
Well Mr L has taken a digger up and I’m not afraid to use it! I’m sure he’ll find something when he’s ready!!EssexHebridean said:What fantastic news on the job offer L - well done you! have you warned Mr L that he needs to buck his ideas up or you're going to start digging?!
L
Cheeky monkeys assuming you could just step into the breach and man the office on a day you wouldn't usually be working!🎉 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 -
'Lack of preparation on your part does not constitute an emergency on mine...who said that? Sounds about right though?! Love Humdinger xxEssexHebridean said:lucielle said:
Well Mr L has taken a digger up and I’m not afraid to use it! I’m sure he’ll find something when he’s ready!!EssexHebridean said:What fantastic news on the job offer L - well done you! have you warned Mr L that he needs to buck his ideas up or you're going to start digging?!
L
Cheeky monkeys assuming you could just step into the breach and man the office on a day you wouldn't usually be working!4 -
Not only am I not going to the event but I was informed I was also manning the phones for the other office as well!! Cheeky monkeys indeed. Anyway all phones will be diverted to my work mobile in the morning.We were up late this morning, I woke up at 5 and thought oh another hour and then it was 7.30!! Managed to make lunch and a lamb shoulder in the slow cooker before leaving. It was delicious.L
PS 11 months till Christmas today (you’re welcome)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 #1241 -
We had a lamb shoulder at the weekend - cooked (before the oven door fell off thank goodness!) to the point of melting tenderness and dropping off the bone....yum!🎉 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
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