📨 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!

1149150152154155278

Comments

  • Blackcats
    Blackcats Posts: 3,937 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    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.
  • beanielou
    beanielou Posts: 95,955 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • lucielle
    lucielle Posts: 11,534 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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!  
    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: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 on
    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 29/7/25
  • lucielle
    lucielle Posts: 11,534 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    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: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • lianne1984
    lianne1984 Posts: 303 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    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 lbs

  • lucielle
    lucielle Posts: 11,534 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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. 
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.