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Onwards and the debt goes downwards!

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  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those views are gorgeous!
    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
  • lucielle
    lucielle Posts: 11,527 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks for the posts.  Just discovered a crochet course is starting today so I'm going to give it a try.  Took the dogs for a walk and they've discovered a sunken water trough with stagnant water in.......needless to say they've had an appointment with the hosepipe and are now drying (sulking) off in the garage.  Just waiting for DD1 to come home and then off to the cafe.
    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
  • EssexHebridean
    EssexHebridean Posts: 24,455 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Flipping dogs and anything stinky! Could have been worse though - at least it wasn't a fox-poo rolling incident! 
    🎉 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
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Eek to the stagnant water 💦

    Enjoy your crocheting 
    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
  • lucielle
    lucielle Posts: 11,527 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks SH & EH.  Crocheting was good and seem like a nice bunch, learnt a new stitch.  Won £100 on the PB, happy with that.  I've decided to start taking magnesium supplements, hopefully I'll feel less tired and possibly help with low mood.

    OH and DD1 off to the rugby this afternoon.  I think I'll make some soup for dinners next week.  We were hoping to move a trailer load of stuff up north towards the end of the week but I don't think the weather is going to play ball.  We'll decide nearer the time.

    DS1 is dropping his terrier off tomorrow, she's booked in for a spray on Monday and its easier for us to sort and then he can come and get her later on in the week.

    DS1 GF is booked in for a section on 15th.  Not long until we are grandparents.
    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
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Exciting about the baby.

    Glad you enjoyed yourself at your group.

    Great news on PB win.
    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
  • CRANKY40
    CRANKY40 Posts: 5,921 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Oooh, a tiny baby, how lovely - I like them when they're small and snuggly. 

    I'm challenging myself to end this year knowing more than the three basic crochet stitches that I have used for the last 45 years or so and then to make something other than a blanket. This weeks was bobble stitch which was surprisingly easy  😊
  • lucielle
    lucielle Posts: 11,527 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OOOH bobble stitch, who knew? off to google!
    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
  • lucielle
    lucielle Posts: 11,527 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's funky!
    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
  • CRANKY40
    CRANKY40 Posts: 5,921 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    lucielle said:
    OOOH bobble stitch, who knew? off to google!
    L
    It's surprisingly easy to do 😊
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