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Onwards and the debt goes downwards!

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  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gorgeous view. Glad you are enjoying your change of scenery.
    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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I can see why you blame me for the clothing but ironically - they are part of what I'm returning. That doesn't mean you should
    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: 11,535 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @savingholmes I don’t need much of an excuse. The clothes arrived, trousers felt lovely on however I could tuck the waistband under my bra and had a couple of meters trailing over my tootsies so they’re going back which also meant I didn’t need the white top I bought to go with them. 
    My work phone is playing up, it’s a Samsung and keeps coming up with a yellow warning triangle and a raindrop. According to YouTube it needed the port drying (it never leaves the office) so I’ve done that but still no joy. OH will drop it off tomorrow to see if any thing can be done. It’s very frustrating. 
    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
    Irritating on the clothing and the phone.

    I loved the pattern on one of the dresses I bought - but wearing a bra with it wasn't an option and it was too low cut at the front - so reluctantly returning it.
    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: 11,535 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Roman very kindly keep sending me offers, which I delete so not to be lead into temptation!!
    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
  • EssexHebridean
    EssexHebridean Posts: 24,495 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ahhh that view - just gorgeous! As is the dog - what a beaut!

    Did you get affected by the big power cut? I guess at least it gave Hebrides news something to talk about that didn't include the word "ferry"! 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,535 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It did go off one night but was back on by morning. Last day at work and only 1 shift on Friday. 
    OH has hopefully mended the boat. It was a bit choppy last night so we decided not to go out. Fingers crossed for Sunday 

    just binge watched Gavin and Stacey didn’t watch it when it was first out. Enjoyed it and started Spooks. I think we saw a couple of episodes but that wasn’t until later on in the series. 
    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
  • EssexHebridean
    EssexHebridean Posts: 24,495 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I loved Spooks - we've watched back through the whole thing a couple of times, too!

    I just discovered that the original series of Casualty from the late 80's are now available so I'm working my way through those when MrEH is out currently! 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,535 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Once we’ve waded through 10 seasons we’re going to start Silent Witness. That should take a couple of years!

    Got my B12 Jab tomorrow. OH managed to drop my work phone off yesterday to be looked at. Got a phone call to say it’s sorted so I’ll collect it tomorrow. Turns out (embarrassingly) that it was the cable that was at fault. I only have the 1 cable and according to you tube it was something to do with the port so probably wouldn’t have thought about the cable. 

    Finally finished crocheting the baby blanket I’m making for DD1s friend who’s baby is due in November. She can take it back with her when she comes (week on Saturday not that I’m counting)
    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
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,815 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    What an amazing view! 
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000     EF £140. Savings 2 £30.00. 17
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