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Onwards and the debt goes downwards!
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Really sad. I think when you are in that frame of mind - you aren't thinking logically- all you know is you want the pain and pressure to stop and that life is completely overwhelming. They say little things can help prevent the act for some people - just a smile or kind word or text - but some are past hearing / receiving anything. That's little consolation for those they leave behind - and I'm sorry your DD's life has been touched by that. Condolences to his family and friends.
Hope the skiing helps your DS feel better.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 13/9/251 -
I lost a close friend to suicide nearly 30 years ago. I have always said that the balance of their mind is disturbed & that they are not thinking logically at that moment in time when they can see no other way out.So so very sad.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.2 -
I’m another year older but not necessarily wiser today! Not got anything exciting planned and nothing I needed. I’ve got my Covid booster booked for Wednesday in the local town so we’ll go for a meal while we’re there. Finally got all the Christmas presents wrapped and into bags, virtually all the cards written and posted the ones that needed to. Last shift tomorrow night at the b&b until February. It’s there Christmas party on Friday so looking forward to that and OH has his on Saturday which I’ll be driver for. I also might make head offices party depending how the removals go.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 #1241 -
Happy birthday to you 🥂🍰🌻🥰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.2 -
OH forgot to get the click and collect shopping. I was in the bath and he’d just showered when I asked him if he’d got the shopping ok. He told me he’d forgot and at first I thought he was winding me up. Then I saw him grab the car keys. In the meantime I got a text off the driver saying I was the last one and only got 10 minutes to get there. I apologised and told him OH was on his way. Luckily he waited.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 #1241 -
Happy birthday for yesterday, glad the shopping was saved
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Glad that the driver waited at least. Sorry I missed your birthday Lucielle. Hope it ended up positive.teapot2 said:Happy birthday for yesterday, glad the shopping was saved
Enjoy the parties if you go.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 13/9/251 -
Did my last shift at the b&b until February, it went ok. Finishing work early to get my Covid booster and then having an Indian meal as we’re out in the town
Had a chat with the doc yesterday about having a prescription for the stronger pain killers. He asked what was the matter with my foot so I reeled off the symptoms/problems and he’s agreed, so I can collect them today.I think they’re going to do DD1s house on Monday. We’ve managed to borrow a pickup and horse box to move her on Thursday
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 #1241 -
ROFL about the click & collect - yes, not quite the same as collecting it from the physical shop is it where at least you could go the next day! Glad OH got there in time anyway!
How sad about your DD's colleague though - wise words from Beanie about people not being able to see a way out. It's a horrible situation and really does demonstrate how bad things can get when someone feels that their family would indeed be better off without them.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Glad your GP was helpful.
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 13/9/251
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