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Onwards and the debt goes downwards!
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It is EH I just wish they’d say it’s x number of days/ hours. It was OHs birthday yesterday and he’s a bit delicate this morning. A neighbour invited him round for a few drinks, on a school night!!!
We’re off to Comrie tomorrow to deliver some machines to a zoo. Hopefully we’ll get a look round. Saturday the fluffies are getting fluffed at the groomers. Sunday we are on grandparent duties. OH hasn’t seen her since she was born and he loves a cuddle. I said I’d cook Sunday lunch. Probably the last quiet weekend for DS1 as he starts lambing very soon.Meeting a friend for coffee today and got a pooch at the vets for a check up, then I’m off to feed the cupboards aka food shopping.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 -
The Comrie near me?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.1 -
Yes that’s the one.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 -
EnjoyI 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.1 -
Thanks Beanie. Machines delivered and a wander round the zoo. Just on our way home and will pick a Chinese up on the way home.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 #1244 -
Sounds like a good timeAchieve 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 -
Had baby cuddles last Sunday and cooked Sunday lunch. However, I think the little darling has shared her cold with me. Terrible nights sleep, throat like razor blades and the sinuses filling up. Typical I’m working an extra day this week and working all next week, especially when I feel like I could quite happily crawl under a rock and be a snotty, grotty, grumpy cow!
DD1 started her new job and has got the most excellent person training and mentoring her (me). She’s taking over my role when I leave but she’ll be full time. I have managed to find out they’ll let me do 2 days from Skye. Which 2 remains to be seen.We got some 6 foot split bamboo canes on a roll so put those up last night in the back garden for a bit more privacy. Hopefully it will help stop the dogs from being as woofy. DD1 is having a couple of issues with the pup (she’s 1 now so not really a pup) so she’s contacted our local trainer and dog whisperer for a meeting. I think it’s more about training us and how to deal with the issues.Haven’t got anything planned for bank holiday weekend. Normally we’d be working the whole of it. As things are quieter on the internet front, due to us winding down we’re able to take it off.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 -
A lot of dog training is about training the owner isn't it - hopefully the trainer will be able to give you some strategies for dealing with the problems and they'll prove straightforward to tackle!
It's so nice to have a while long weekend stretching ahead without any specific plans isn't it!🎉 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 -
Had a rather pleasant day. Took the hounds for a walk and walked a different part of a walk not done before. Then we had a wander round a small localish town and lunch in a cafe. It was ok not sure I'd rush back, normally only go there for breakfast. Popped into the garden centre and had coffee and cake. Purchased some sweetpeas that grow every year (perennial?) and a patio plum tree. OH bought some Antirrhinum's as these are his favourite for planting round a tree. Got the wire put up for the raspberry canes to go in and put some netting up for the sweet peas to climb up. Just need DD1 home to say where everything is going and she can plant them. A friend is giving her a rhubarb crown and any spare veg plants she has.
My feet are really aching and looking at my phone I've done 12199 steps, not quite the epic 14 miles!
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 #1244 -
That's a fabulous amount of steps. Glad there are some wins from winding up the internet business in terms of free time.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 29/7/252
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