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Onwards and the debt goes downwards!
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In true karmic style yesterday was awful business wise. Won’t go into too much detail, except to say a customer wants to return a machine specifically ordered in for him and we won’t be able to send it back and it was expensive. Couple of things went wrong as well. Only reinforcing we’ve made the correct decision to sell up and move on. It really isn’t very long now. OH needs to make a couple of important calls on Tuesday, then we’ll see how the land lies.It looks glorious outside. I’m still in bed but have put a load of washing on so I’ll peg it out when I get up. Going to have a look in the walking book and find a walk.Enjoy your day.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 -
I really don’t feel very well but can’t put my finger on what is the matter. Feel spaced out, went upstairs to read my book and fell asleep for a couple of hours, body feels really heavy and everything is an effort
Did take the dogs for a walk this morning but on the walk back felt very wobbly.Sure normal service will resume.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 -
That's not on from the customer
Feel better soon xxI 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 -
Hope you get a good night's sleep and feel a bit better in the morning.
2 -
Does the machine not count as "personalised" if it's a special order? If so in English law that certainly changes the rights of return - and I agree that it's really not o from the customer if they've simply changed their mind!
Sounds like maybe you've picked up some sort of virus or something - treat yourself kindly and let your body recover.🎉 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 -
Hope you are feeling better Lucielle.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
Hope you are recovering 🙏🤕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 29/7/250 -
Thanks for all your comments. Feeling loads better.In a complete turnaround OH managed to sell the returned machine at cost. So not a win or a loss but a good get out.Looks a bit overcast outside. Taking the dogs for a walk at 10 with my neighbour and then hoping to clean my car and pickup.DD2 stayed over last night. She’s just finished doing 2 weeks of night lambing and is back at her day job next week. DD1 is on her last weekend of lambing and back at the office with me next week. DS1 has only just started lambing at his new job and is hoping for good weather as his ladies are outside. Heard news on the grapevine that DS2 and GF are home in May, which isn’t far away!!
Off to stay at sister in law’s next weekend and potentially may see my stepdad. I haven’t really been in contact since we spread mums ashes in 2019.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 -
Good result on the machine.
Hope seeing your wider family goes well.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 29/7/250 -
Glad you're feeling better - and what great news about the machine, well done OH!
You sound a little ambivalent about seeing your Stepdad?🎉 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/her0
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