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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
    Sounds like a lot of pressure on your finances as the kids prepare for greater independence. Nice of you to take the dogs. Hope they bring you joy.
    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: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 28 August 2023 at 9:28AM
    We were always supposed to have 2 dogs but she wanted to see if she could cope with 2 of them. It makes sense for us to have them, we’ve a big garden and I’m at home 3 days a week and usually around for some of the time other days. 

    Everyone has made it home safely and we’re adjusting to the quiet. We’ll bring the other dogs back with us in October when we go down. 

    When OH put the washing poles up he unknowingly cracked a foul pipe. We’ve adopted the ostrich position and ignored the ominous gurgling from various bathrooms. However due to the number of people things have literally come to a head. So on Saturday after they’d all departed we had an investigation. Yes the wash pole had gone through the pipe. Pulled that out and got the draining rods out. Gave it a good old prod and poke, running but still not great. OH decided to put the rubber plunger thingymebob on the end. Made great progress till it got well and truly stuck. At this point me and the dog went into hiding. I did have a look on you tube to see if there were any helpful tips on un-wedging it. Apart from always call a professional, there wasn’t. Tried to pull it out using the digger, just pulled the end off the draining rod.  After lots of huffing and puffing the decision was made to dig it out. Luckily the first hole we dug was where it was and it looked like the drain was already cracked so would’ve needed doing anyway. 
    I have 2 holes, a partially open sewer and no washing line. Fun!  OH will get pipe and fittings on Thursday. 

    Money news, we haven’t enough. DS2 needs help with rent for next 2 months, he doesn’t get paid for this job until October. DS1 is going from fortnightly to monthly pay so may need help. We need to juggle money around as we’re having a stove installed on the 14th. Need to sit down with OH to decide how to sort it. 
    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
    How frustrating (and smelly presumably) on the sewer pipe. Sounds like you have good equipment at least.

    Sorry money is tight - hope you find a solution.
    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
  • beanielou
    beanielou Posts: 96,040 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Eek to the money. 
    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.
  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I forgot to mention when we’re down at the pier, there’s a tiny island which has seals on it. They were making a noise which was a cross between a dog howling and something else. If I’d‘ve been camping I would’ve been running for the hills. It was very eerie. I heard them last night when I was outside. 
    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
  • beanielou
    beanielou Posts: 96,040 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That noise would not be for me! 
    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.
  • beanielou
    beanielou Posts: 96,040 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wow.  Just wow.
    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.
  • What an amazing picture! Wow!
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • EssexHebridean
    EssexHebridean Posts: 24,495 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Loving your visitor - and yes, seals really do  make some spooky noises don't they! My favourite for eerie noises has to be Snipe though - until you learn that what you're hearing IS just a bird, you genuinely think you're being haunted! :lol: 

    Blast to the foul pipe and the squeaky finances though - although having said that about the latter I'm absolutely confident that you will make it all work one way or another, you've got all the tools in your armoury after all. 

    Great news about DD1 and the house and well done her for making the right decision about the dogs too - that can't have been at all easy for her. 
    🎉 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
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