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Onwards and the debt goes downwards!
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Survived the emails only to be thrown in at the deep end and get ready for a meeting tomorrow with hardly any notice. I will get through this.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 -
Bless. Sounds full onAchieve 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 -
It's all go, isn't it! They do sound somewhat disorganised and haphazard, it has to be said! Hope the meeting goes well!🎉 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 -
Got in early and managed to get through the meeting ok. Looking forward to bedtime! Got my docs appointment tomorrow for my jab and need to get the BP monitor for OH. Calling in at the accountants as well and then taking le mutts for a walk. Need to assess the fridge to see what needs using up.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 -
I've been on a using things up kick here too L - just need to make some headway on the large collection of various things in jars that are lurking there, now! (especially that wretched red thai curry paste which is still hanging about - the problem is it's super spicy so only gets used a teaspoon at a time!)
Glad the meeting was OK!🎉 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 -
Lots of things used up and some things frozen before they went out of date as the menu plan went a bit awry this week. It does mean I have the ingredients for some meals next week.
Had my hair done, so feeling a bit happier now the runway down the middle has gone! Took DD1s car as one of her tyres wasn't right so got that fixed whilst she had mine. Dogs are getting theirs done tomorrow and then in the afternoon baby shower (so American and dreading it) so need to go to that. DD1 said she'd drive, so that's a win.
Sunday got a flight round the county that was a b'day pressie and then afternoon tea. OH has slightly messed plans up as he's going to DS1s and staying over but didn't think to check the calendar. He's going to meet me at the afternoon tea place, a shame as I was hoping to sneak in a cheeky prosecco but we're both driving.
We're trying to get a long weekend up north as we need to take a trailer full of stuff up but fitting it in is difficult. I'm sure we'll sort something.
DS1 is in a right pickle regarding funds or lack of. He thought he was getting paid this week but it isn't till the 3rd. His DDs come out on the first and his account is -£9. It looks like bank of mum and dad, plus emergency shopping and dog food. I'm not very happy about this as he went on holiday in January and literally emptied all his pots and had a bit of a sod it attitude. However the deed has been done but it will be paid back.
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 -
Kids!!!
Never easy is it.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 29/7/251 -
A couple of pics from todays flight. It doesn’t seem to get any easier, SH!
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 -
Looks awesome
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 -
Ooh how lovely to go on a flight like that - fabulous! Friends of mine did the flying boat on (I think) Loch Lomond a while ago and said that was amazing!🎉 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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