📨 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!

1162163165167168278

Comments

  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Many thanks again @EssexHebridean. The window cleaner came back yesterday and did them all again and did say there were some marks. I was at work do OH was having a chat with him. He knows we’re living here so that may make a difference on future cleans, time will tell. I now need to figure out how my new to me (thanks @beanielou) window cleaner gadget works so I can keep my side sparkly. 

    DD2 and family friend went to view a house last night. It has potential, however there is another house on the same street for 10k less but not quite the same standard. DD2 and friend are viewing on Tuesday. It’s shown DD2 what could be done. Never a dull moment!
    Work was very hot but a steady stream of customers. I’m in tonight and picked up an extra shift tomorrow. One of the other ladies mums is very poorly so she’s had to dash to the mainland. Another one of the team had 108!!! Ticks removed from her body by her hubby. She’s on seriously strong antibiotics which have made her quite poorly!  Uuughh nasty critters. 
    I’m slowly accruing a pile of clothes to pack for next week. It’s making my head hurt. I need clothes for Ibiza, head office, general playing out, wedding outfit and a fancy dress costume. Probably need a kitchen sink or 2 as well!
    Had a reply from a dog groomer up here, it’s proving very difficult to get one. Bearing in mind there’ll be 3 to groom she’s quoted £200 every 6 weeks!  Really can’t afford that in that timeframe. Need to have a think. They do get brushed but absolutely hate it when i do it and are better behaved for the groomer 
    Getting my nails done on Friday, a manicure and clear polish for £10 which I think is ok. Will need to get my trotters done when I’m down south. 
    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: 96,053 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    £200 for the dogs!! 
    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.
  • teapot2
    teapot2 Posts: 3,562 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    108 ticks OMG blue shrieky face times 10, I think one or two of the horrible craturs is bad enough,  Poor person hope she is ok. 
  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I was thinking blue shrieky face!!!  Makes my skin crawl!
    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
  • 108 ticks is definitely making my skin crawl too. What was she doing to get that many?

    Good luck with the packing - sounds complex.

    £200 for dog grooming!!! I couldn't afford that either. We bought our own clippers and while it may not have looked stunning it was affordable.
    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
    I don’t like them clipped so need to persevere with brushing. 
    Had a busy day at work, did 41 covers on my own. It was only bread and soup but we were running out of soup and I was frantically defrosting it and trying to peel and chop ingredients for another batch. I did manage to cook a vat full of mince and veggies, grate a breeze block sized piece of cheese, boil eggs for breakfast, fruits and meats for breakfast prepped, oranges squeezed, salads sorted and veggies for evening service done. Phew no wonder I ache!
    It was good to be busy and I did it on my own. 
    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: 96,053 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, you are amazing  :)
    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.
  • wow well done you - what a great achievement, I hope they appreciate you!

    Also glad that the window cleaner email got results - as you say now he knows you will be there to see how they're done it might focus his mind a bit! 

    I am now trying to block the tick situation from my mind - horrible things, as already said one is bad enough! 
    🎉 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
    Todays our wedding anniversary. I swapped my working day for Thursday as OH was off today. Took the hound for a walk first thing, then went to some touristy shops. One of them had PV panels on her shop roof so I was quizzing her about them and she’s recommended the company that installed them. She’s also had an air source heat pump installed and thinks it’s great. Not sure about that but definitely interested in the panels and there could potentially be a grant or 0% interest loan to put them on. I need to do some digging. Watched Oppenheimer this afternoon, it was ok but wouldn’t rush to watch it again. Had tea out and completely knackered now. 
    Just realised I’ve a double shift tomorrow, a quick finish then off to the other job. 
    DD2 has viewed the other house on the same street as the first one she looked at for 10 k less. She’s going to put an offer in tomorrow. Please keep everything crossed. DD1s is making progress and at the searches stage. I’m at the stage of where they want to know my bra size etc as we’re gifting a lump sum ( and will be for DD2) 
    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 lovely to be able to gift them some money. Good luck to your DDs.

    Well done on doing so many covers alone. Impressive.

    Happy anniversary. Sounds like a good day. Future energy saving options sound interesting too. I don't know that I'd cope with the noise of a heat pump from the description most people give. They also say the max heat is about 20 I think from what I read which isn't enough on a bitter day.
    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
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
  • 253.4K 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.