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Onwards and the debt goes downwards!
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How time flies indeed:(.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.0 -
How are things Lucielle? Anything picked up business wise? Any progress on the mortgage?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
It's like wading through treacle. Hoping there is some light at the end of the tunnel. Should know more by the end of the week.
It's naturally our quiet time but hopefully things should start to get busier.
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 #1240 -
You've come such a long way from when you started mse. It gets wearing though doesn't it - constantly watching the pennies. Looking forward to hearing about the light turning back on for you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
I've had my eyes tested and need new glasses, luckily contact lens stayed the same. Only had £55 in the glasses account and my new ones were £180. So I phoned for a balance on my M&S card which was £240.92 Raided the clothes pot and glasses pot that came to 110, had 40.92 left from OHs wages and I had £40, so paid off £190.92. Should clear the balance tomorrow when DS2 pays his board.
Then its back to focusing on the Lloyds card which is 0% till July and currently stands at £6995
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 #1240 -
M&S card hopefully clear but I have a sneaking feeling there might be a Kindle purchase that has gone on. I'll check on Monday when all the payments should've cleared.
We have DS1s collie dog here and currently she's whelping. We sorted out the pen on Sunday and rigged up the heat lamp etc Unfortunately the first puppy was dead, currently she has 1 live one and I'll go and check her shortly. Now she has a live one she let me take the dead one away. I'm glad she's started as she looked really fed up.
I had a phone call off Amazon this morning saying they were going to renew my prime and if I didn't want it to press 1. I didn't think I had Prime but thought it could be my sons. Anyway I pressed 1 and a lady started talking me through how to cancel it and which website to go on etc. When it got to the point it wanted me to download teamviewer alarm bells started. I told her I'd phone her back and got a number. Luckily I have an Amazon handler (after recently starting selling on there) so I emailed him all the information and he said it was a scam and he was passing it over to his fraud department. The website did look like it was Amazon so keep your eyes peeled peeps!
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 #1240 -
2 live puppies and 3 sadly didn't make it, 2 born dead and one got squashed by mum. I'm hoping DS1 will keep one as we have one of each flavour. This dog was his first working dog he got and will probably be her last litter.
I've bought another slow cooker a 6.5l one. The smaller one I got can't cope with the quantities. It's not wasted though I'll put it in the Skye house.
Planning on having gammon tonight. Must go and put the shopping away.
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 #1240 -
Poor wee mites
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.0 -
Glad some puppies survived.
Ouch to the glasses bill. You've reminded me that I should get my eyes tested soon - I think I can get some money back from work so will look into that.
Keep watching for the sunrise it will come....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Remember winter always turns into spring.
Apt on so many levels
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.0
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