We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Onwards and the debt goes downwards!
Comments
-
Very exciting times for you - albeit hard work to get everything sorted. The culmination of turning your dreaming into reality by your hard work, planning and prepping for your next phase.3
-
We’ve made it! Just about got the house how we’d like it. OH did a tip run yesterday to get rid of the boxes. My office is still a bombsite, going to try and sort it today. Nearly done my first week wfh. That was interesting when OH decided to change the router mid work session! I think the real OH has been kidnapped as this one is being really helpful and blasting through DIY jobs. Long May it last! We even managed to get the TVs up and the Sky glass up and running without any issues. The chaps who brought our bits and bobs up were also amazing and very helpful. They took a small back load down with them to drop off at DD1s which they did the same day. That was a lot of driving.Just got to work 4 hours today to make up for the short day on Monday then that’s that job done for the week. Start my other job Saturday night.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 #1245 -
Glad all sounding good.
Must have missed the other job.
Hope goes well.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 -
All sounds impressive. Glad your DH is motoring ahead.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 and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250 -
I’ve really enjoyed getting to grips with the air fryer we got. So far I’ve cooked chicken, pork and the obligatory chips. It’s been easy to use as well.Managed to get signed on at the docs and we’ve both got an MOT booked for Monday with the nurse.The dentist however is another matter. We’ll have to go on a waiting list. So my current thinking is to keep my dental plan in place where we were as I have to go down every so often for work and could tie it in with that. Or has anybody got a better plan? I knew that the dentist would be a difficult one to crack.First shift tonight at the guest house. Hope I manage ok!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 -
Hope you settle in to your new job okay.
I think keeping a dentist is a good call. My DS still comes home for the dentist nearly 2 years onAchieve 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 and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Well last night didn’t go quite according to plan. A burst water main in the village put paid to evening service and it was meals only for residents. Not sure how tonight will pan out as they’re supposed to get tankers to fill up the supply until it gets fixed on Monday. At least it gave me chance to try and figure out where things are etc
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 imagine it's quite frustrating for the guest house when things like that happen.
Hope you are settling in.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 and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Hope tonight goes better for you!February NSDs: 0 / 10
February PADs: 2 / 29
February Groceries Challenge: £59 / £250
February Make £5 a Day: £255 / £145
Current Debt: £3159 | CC £1490 | N £571 | C £725 | E £373
Weight Loss Challenge 2024: 0 lbs2 -
The shift was a lot better. OH has managed to get the freezer installed in the utility (more like a porch) instead of having it in the dining room. It’s lovely to have it inside instead of having to traipse off to the garage (not that there was any room) Some boat bits arrived yesterday which also got fitted, so that may get launched at the weekend. Went fishing last night and we both caught a couple but threw them back as they were babies.
Ive finally got my printer up and running, it needed a cable which arrived yesterday. So lots of work things to print off.Had our check up at the new medical practice. I need to monitor my blood pressure but will collect everything tomorrow. The arm pain is back, gets more painful as the day goes on. Not sure what to do.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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.5K Work, Benefits & Business
- 599.8K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards