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Onwards and the debt goes downwards!
Comments
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Oh wow what an amazing surprise - you must have been chuffed to bits!
The listings sound deeply tedious - I don't envy you that task!🎉 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 -
Happy new car
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 -
I get my jab today, so hopefully I won’t feel as knackered as I have been. I’ll also ask at the docs about moving medical practices, we both have regular meds so trying to make it as smooth as possible. If I get chance I’ll also try and contact the dentist on Skye and see how we sign up for that. Need to book 1 of the hounds in for her boosters.Taking the car to get the dog guard fitted and the protective strip put on.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 -
Hope the cleaner worked their magic ✨Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage repaid - need closer to £40K otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250 -
She did SH. I’m going to have to give her the news that we’re moving and she’ll not be needed. It would help if we had a definite date to work to.Got the car sorted. Had a look in Dunelm for some storage in the en-suite up north but nothing floated my boat. Did buy 10 wooden hangers for £7 I know we haven’t enough and clothes hang so much nicer on wooden ones. Fed the cupboards, again! Took the dogs for a longer walk and clocked up just over 12000 steps. I’ll be glad when it’s Saturday, their behaviour has been awful this week and a new moon should be out on Friday. Daughter doesn’t believe me, so we’ll see. She’s away all weekend on a hen do, not sure a new moon will sort out her hangover on Sunday!
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 -
I love wooden hangers tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage repaid - need closer to £40K otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250 -
When OH saw them, I got the eyeroll. I also got my eyebrows threaded yesterday, I think that was the first time since the first lockdown. Forgot it stings a bit!
I've been productive today, 2 loads washing out, sheepskins out having an air, door mat in the wash. Hoovered the living room and there's an annoying mark on the carpet so dragged the carpet washer out and washed it. The mark has come out. Need to remember to order some carpet shampoo. I've got some vouchers for Lakeland so going to order it from them, possibly get an air fryer and my hand held electric beater thingy died a death the other night (it was about 40 years old) so get another one oh, and liners for the air fryer. Think that's it, no doubt I'll succumb to temptation when I'm browsing.
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 -
You are spartan! Eyebrow waxing is worse than labour....2
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Wait til you have to have your lip waxed!!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 -
She might’ve mentioned lip and chin but I don’t think they’re that bad and not sure where I’d get them done up north, so I politely declined.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
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