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Onwards and the debt goes downwards!
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Another shift done, also very quiet but it’s to be expected at the moment. DD2 has indeed moved so spent time this morning discussing how to set the CH and HW via messaging. She thinks I’m ace! Long may this continue when I have a technical issue with my phone! lol. I can clear a room in 5 seconds just by brandishing it!
So I’m heading south on Thursday, need to sort out office clothes and something for the conference will also try on to make sure I’m not bursting out of them. Going to make and freeze a lasagna to take down, I’ll do that today and then carry on crocheting. I’ve done all the squares for the next blanket just need to join h to them up.I thought DS2 might be home but his job has been extended so not sure if I’ll see him. If that’s the case he might come up here when he’s back. Girls have got an away rugby match today.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 #1242 -
Just like me with a phone
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.1 -
Hope you manage to rebook your injection.
On the clothes perhaps be kind to yourself and buy bigger ones.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 did manage to get the injection that afternoon before work. Clothes fit so that’s good.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 #1242 -
Very late in commenting on the crochet blanket - it's really lovely. A nice mix of colours.3
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well done on sorting the injection and on the clothes behaving themselves and fitting you as well! And congrats to DD on her move - I'm not surprised she was excited!🎉 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 you got your injection. I need to chase my GP for my blood test results.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 -
So a slight change of plan. Was due to head south on Thursday but after seeing the weather forecast I think I’ll leave tomorrow at dinner time. Really not looking forward to the drive but just have to get on with it.It’s very windy again and I can see the waves crashing onto the shore from my office window. I need to pluck up courage to venture out and check that the car service record is in there and the locking nut. I’m a bit dubious about opening the car boot as it’s so windy, think I’ll bide my time and hope it drops.I’m going to DD2s house which I haven’t seen. I think she’s started a list of job’s including changing the flush handle on the loo. I think with YouTube and her dad on the phone we should be able to manage it. I’ll ask OH if there’s any tools I need to take to help.I went to stchin’ last night and it was the first time I felt comfortable there. There are a couple of ladies I’d really like to know better so when I get back I’ll pluck up courage and invite them over. Also when I return I’ll chase the builder, was supposed to be here in September….
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 -
Safe travels when you head off
2 -
Braved the cold wind and have confirmed that service book and locking nut are in the car. One job ticked off.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 #1242
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