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Onwards and the debt goes downwards!

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  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ah, I watch her when I’m joining up. I’ll probably give her a ho as she’s very good at explaining and showing how it’s done. 
    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
    OH think Gary golf needs a new water pump. That’s quite a big job so would get the cam belt done at the same time. Phoned one garage can’t do it till the end of November the other garage was December. He’s watching a you tube video to see if he can do it. 
    It was nice to go back to the b&b. They’re closing on 15 December, Christmas party on 16th and don’t reopen till February. That’s a bit of a blow and wasn’t expecting that. 
    So in my money saving mission the other day I said I’d cancelled the dishwasher cover. DS1 can’t get it to work, it has been working but is now sulking. I called the company to see if I could reinstate it, as I’d ‘mistakenly’ cancelled the DD. I couldn’t because it’s 13 years old. Anyway this morning I got an email asking if I’d mistakenly cancelled the DD. So next job is to get it reactivated then a change of address and book an engineer. 
    It’s quite windy today so it’ll be interesting to see if the stove behaves. Hoping to saw some logs and I’ll operate the log splitter. Also need to look at one of the streams as it’s decided to flow over the lawn and needs rerouting. 
    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: 29,047 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Eek to the income loss.  Hope you find something to bridge the gap. Bank account switching?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Could possibly look into that @savingholmes.  Done my b&b stint. Was supposed to be in this Saturday but that’s looking doubtful. OH has a meeting today, hopefully find out what they do at Christmas and then we can decide what we’re doing. 
    Quite a nice day yesterday, brushed the hounds before taking them for a walk, the wind blew all the fluff away so I wasn’t covered in it. OH and I looked at pictures online to try and decide how we’d like the garden. I’d like a terraced water rill with some of the stages lined with copper and in between pebbles set in concrete and both sides walled. I can picture it in my head but it’s describing it and getting OH to see it….. a work in progress. 
    Already got the bedding drying on the line and another load on. Turned the mattress as well, so I can make it up when it’s dried. Got the en-suite to do and everywhere needs a good hoover. 
    Potentially got a b&b colleague coming for coffee on Friday as long as we both remember need to send her a text the night before. 
    Morrisons cancelled my order which should’ve been delivered today. I had a gift card off Sky and tried to use that to pay, needless to say the computer said no!  A bit annoying as it was due today. Managed to bag a spot for tomorrow but an earlier time so will have to make the time up. 
    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: 29,047 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Frustrating on the shopping order
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Managed to get 3 loads of washing dried outside, not bad for this time of year. OH got the car parts to mend Gary Golf. That’ll be fun on Thursday (not) I’m going to be the gofer. Will take the dogs with me when I go for the shopping, I can take them for a walk in the woods. Went to Stitchin’ it was fine. Badminton tonight. 
    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: 29,047 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like your new life is suiting you 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So the battle with Amazon still rumbles on. I phoned my cc company and explained what’s been happening and the £30 monthly charge from May. They’ve put a stop on it and credited it back and are opening a case with Amazon. Fast forward to 15th & 16th October they’ve taken 2 payments of £15. Yet when I log in there’s an outstanding balance and they need my payment detail’s updated. Go figure. Phoned them again this morning to find out how much the balance is but they don’t have access to that information   Instead they’ve sent me a link….. to update my credit card details. Talk about frustration. I think I’ve managed to down grade the account to individual selling plan which shouldn’t attract any fees but I’m not holding my breath. I’ll contact M&S re the 2 payments of £15 to block that going forwards. 

    Badminton was good not stop playing for 2 hours. Considering that my body doesn’t feel as broken as it should. Morrisons order collected with no problems. The delivery drivers are so nice and incredibly helpful. It was a beautiful day yesterday, potentially the calm before the storm and I managed to get the dogs out in the woods. On the way home a person near to my house was having some fencing done so stopped and got the chaps number. We’ve got the posts and wire etc but this chap had a tracked post knocker which would make it a doddle of a job. He’s coming to have a look today and give us a price

    In other news DGD has just started crawling, didn’t think she’d be long. Now the fun starts. 
    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: 96,058 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The fun begins 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.
  • savingholmes
    savingholmes Posts: 29,047 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Exciting re DGD. 

    Sorry about Amazon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
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