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Onwards and the debt goes downwards!
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No special occasion. DD1 had booked in before we moved and the others had made a note of the dates.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 -
How wonderful to have most of your children around.The photos were beautiful, especially the sea photo. Glad you were able to launch the boat. Have you had chance to go out in her yet?paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
Yes it it lovely but I forget how needy they are and how much stuff a baby has. At least the 4 hounds are asleep. They’ve gone out for a bit. I think they’ll be back soon as the weather is vile.Hoping to get the boat out again this week, especially with the chaps up.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 -
Oh how fantastic that they all turned up and surprised you like that - not surprised you were wearing a great big grin!🎉 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 -
Didn’t have a great nights sleep. Had to go into town to get DS1s tyres (2 punctures due to state of the roads). Felt very hot and like my heart was ‘fluttering’. Hard to describe. Now off for a nana nap and I’m sure I’ll be grand.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 -
That doesn't sound great L - make sure you take it easy and get checked if it carries on.🎉 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 -
Take care.
I have not forgotton you & am trying to source a box.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 -
Thanks Beanie.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 feel better soon. If it recurs definitely get heart check. Have you got a fitness watch that could track heart rate?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 -
No I haven’t got one of those watches. Been ok since.DS1,GF and DGD left in the early hours and only have a couple more hours driving till they’re home. He has a busy week as he leaves his job on first and has to move house. Friends are coming this weekend to move big stuff, carpets are being uplifted and relaid on Tuesday. Had to lend him some money so he could get some heating oil. It does mean it’ll leave us short for the stove install as lent DS2 some money before he left to work in Amsterdam.They managed to get out in the boat yesterday, I was on grandma duty. The girls want to go out today if the tide and weather is ok. They’re both off home tomorrow. It’s going to be very quiet.DD1 has had an offer accepted on a house and it’s a private sale. We’ve been sorting that this week. Solicitor said probs Christmas to move. This means we’ll be having her dogs as there is no garden. This is fine as it was impacting on her life and not a decision she’s made lightly. I did have to have a mum talk with her. It’s not like they’re going into a shelter.
Still not decided about shifts at the guesthouse. I think just see how it pans out and how the finances look.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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