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Onwards and the debt goes downwards!
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Sorry about the arm pain.
That's what happens with my shoulder.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 -
Sorry about the arm pain. Are you having physio? Have you tried a tens machine
Glad things are settling down at your home.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 -
Quietly whispers arm seems to be a bit better. Did a longer shift at new job yesterday, it went ok. I’m in today but only till 5. OH starts his new job tomorrow, hope he likes it.Got BT here at the moment putting cables in for faster speeds. Don’t actually get connected up until later in the month. Just walked the loop which is about 2 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 #1241 -
Glad your arm is improving.
Best of luck to DH on the new job and 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 -
Pleased you are settling in and getting bits and bobs sorted.
I think your plan with the dentist is sensible -perhaps the waiting list won't be too long.
I hope your arm is ok.
2 -
OHs first day went well. He's been given some uniform but only 1 set. Not sure how that'll pan out as his working pattern is 4 on 2 off. There's a chap who lives 5 mins away who's working at the same place but he doesn't want to car share, which is a shame.
There was a shout out on FB, a family had been let down after their hire car broke down. They had nowhere to stay and the hire company would pay for a taxi back to the mainland. We offered 2 rooms but they managed to get sorted. Not sure what our dog would've made of their pooch but we have a cage.
Currently on hold to Morrisons. I've tried to register an account for click and collect. You meet the van in a local car park and get your goodies. I've put my postcode in, said they didn't deliver to this area, fair enough. I put my bosses post code in who gets 4 plus deliveries a week and it still doesn't deliver to this area. Slightly frustrating!!!
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 you can get it sorted out.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 -
This is awful! Why did they have to change it. Unless I’m being dense I’m finding it really hard to navigate.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 think it's fineI 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 -
Yesterday was interesting, I was left to run the kitchen on my own. Luckily they didn’t tell me till I got there or I would’ve been stressing!! I did go round with a rabbit in the headlights kind of look for a little while. I managed but definitely out of my comfort zone. Then the next one was, ‘I need a vegan dish. Please can you make something’. Google was my friend and I rustled up a chickpea curry and it was very nice if I do say so myself!
it’s a nice day so we’re both off and going to launch the boat on her maiden cruise (hope the bl00dy thing floats!)
Since we moved we’ve really concentrated on healthy eating in 2 weeks I’ve lost 11 lbs and OH lost 10ths. Very pleased. When DD1 comes up at the end of August I hope she notices as we haven’t said anything.Going to cook brekky and find my sea legs!
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
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