📨 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!

1161162164166167278

Comments

  • beanielou
    beanielou Posts: 96,048 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Eeeek to the shark.
    Shudder.
    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.
  • dawnybabes
    dawnybabes Posts: 3,437 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I once caught a baby shark on holiday, wasn’t allowed to land it as apparently it’s bad luck. The blokes on the boat cut it off before we got a picture 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the fishing 🎣
    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
    A whole day off to myself. OH is at work. Going to put a gammon in the slow cooker and make a proper tea. Have a bash at doing roast spuds in the air fryer. Weather is dreich at the moment so put the dog walk on hold for a while. My ankle will thank me for that, it’s a bit ouchy at the moment. I did take a couple of paracetamol at bedtime as I knew it was going to keep me awake. I did also take a nytol as well as sleepy tea, so do feel a bit more human now. 
    Probably the most exciting thing I’m going to do is binge watch The Witcher, was going to watch it when DD1 was up with her but things didn’t quite go according to plan. OH said he wasn’t bothered about 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
    Hope your ankle improves 
    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
    Ankle has decided to calm down and behave. Just had a phone call off HSBC fraud department. Me being deeply sceptical ended the call and decided to phone the number on the back of my debit card. It turns out it was a genuine call and someone was attempting to get £500 out of my account. A new card is on its way. A big well done to HSBC!!
    Glorious day and got all the lap blankets washed and drying outside. 
    The window cleaner has been and to be honest I’m not impressed. There are still bird poo marks on a window and a few others have marks on them that I thought would’ve come off. Do I say something or give him the benefit of doubt?

    Worked all day yesterday and then had an evening shift. Slept ok but did have sleepy tea and a nytol. Swapped my days round next week, so having Tuesday off (31 years married) and working Thursday (stove install day). 
    Hoping to try out badminton tonight potentially meet new people 

    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
  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    New badminton class was good. The people seem nice. But boy were we shattered!  Also very sweaty. It was good to get out and do something physical. Thursday we’re both off and planning on doing a walk we’ve done before but it was misty so didn’t get to see the views. 
    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
    Good the fraud was caught. Well done you for ringing the card issuer back too - just in case it had been a scam call.
    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
  • Window cleaner is awkward isn't it - I'd probably be inclined to go down the route of phrasing it something like "oh - you probably couldn't see from the outside with the reflections and everything but there were a few marks left on last time - do you want me to point them out from the inside for you?" that way if he's trying it on then he will realise he's been caught out, and if not you've saved him feeling "got at"? 

    Great work from HSBC but also from you on being cautious and calling back on the number you knew was right. 
    🎉 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: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks EH.  That was worded to perfection and I've used that in my email to him.  Stunning day here, got to work tonight but hey ho.  Just picked up 2 tables I bought for in one of the bedrooms.  OH has been to the docs and had his medication altered in a good way, so hopefully he won't feel dizzy anymore.

    Had to cash in some PBs to pay for the stove and help one of the chaps out.  That should hit my account on Wednesday, ready for stove install day on Thursday.
    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
  • 244.6K Work, Benefits & Business
  • 600K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K 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.