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Onwards and the debt goes downwards!

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  • Oh for goodness sake talk about everything coming along at once!  Goodness knows what AO's excuse is for not delivering to you guys - I can sort of see why some don't do the Outers, but you're road-accessible for goodness sake! Pah! Glad you managed to get something sorted though. I really do need to bite the bullet and start properly working out what ours is being replaced with, although I assume it must have quietened down a bit for some reason as I certainly didn't hear it spin this morning. Not sure whether that's a good thing, or worrying! 
    🎉 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: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Loaded old washer and that’s away to the tip. OH is collecting the new one once the tip run has been done. He’ll also get the dogs prescription as he’s passing the vets and that’ll save an added journey. He’s even trying to get me some multi vitamins that have been recommended by somebody else who is B12 deficient and is struggling with energy levels. She found these worked but had to take for a couple of weeks before feeling the effects. 

    We managed to drag ourselves to badders, despite the wind howling round and blowing the waterfalls ‘uphill’. We really didn’t want to go and would’ve preferred hiding under our rock but we’d already said we’d go and they needed the numbers to run the class. So, so glad we did as I played the best games I’ve ever done!  Also the younglings weren’t there and we were all of a similar age. I really creak today!!
    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: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the badders. Sounds like you really enjoyed it even if you can feel it now.

    Good luck to DS.
    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: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Took the dogs hit a 2 mile walk. Still need to walk 4 miles a day to hit the target. Helped neighbour sort done paperwork and send some emails. Dropped the pick up off for its MOT and got. Collected by OH. Made a lovely tea of chicken boob stuffed with haggis and cheese wrapped in bacon. Served with new spuds, carrots and mashed swede. I made a whiskey cream sauce, which if I do say so myself was delish!  
    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: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Pick up passed his MOT. It will need 4 tyres at some point. Made myself go to yoga yesterday.  Not sure if it’s aggravated my hip because it’s been really sore all night. Just taken some paracetamol to see it the helps. 
    There’s a glorious sunrise, lots of reds and pinks.  Need to get the log splitter going today as we’re nearly out of logs. Going to do roast pork as a late lunch/early tea. While I’ve got the oven on I’ll do apple crumble. I cooked the apples yesterday, they exploded all over the microwave, it was like mount Vesuvius and as hot as lava!
    Paydays for both of us this week. I’ve got my payslip so know what to expect. 
    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: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news on pay days and passing the MOT.

    Been there on the apples. It can be painful if you get any on you - hope you avoided that. 

    I have a new appreciation of sunsets as I directly face them most days which is gorgeous. I'm disappointed now when I miss them.
    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: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yesterday was a very productive day. Really glad I prepped everything for lunch on Saturday, so I could just lob it in the oven and leave it to it. 
    We managed to chop enough logs to fill 1 log store and made a start on the second one. However OH did come a cropper with the tracked barrow (same one that got me). He managed to trap his hand. Luckily nothing broken a bit scraped and swollen. 
    Managed to get a load of washing dry outside. Always very satisfying. 
    Enough meat left from lunch to do a few more meals and a spare apple crumble to go in the freezer. 
    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: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forgot to mention that I went to yoga on Saturday. Hoping that if I go more it might ‘unlock’ my sore hip and thigh. 
    Yesterday I washed the mattress and pillow protectors, all the bedding and got it dried outside. Bliss!
    Just before I finished work we had a power cut which meant I’ve spent this morning redoing a s/s that I hadn’t had chance to save. Luckily the electric came back on at 6.30. Went to stichin one of the ladies is off to see her daughter in Antigua for a month. How lovely would that be?
    OH finished splitting the rest of the logs. Hopefully that should see us through till the end of stove lighting season. Still waiting for the oil to be delivered. 
    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: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good and bad news. So in most excellent news I’ve had a pay rise for b&b job most unexpected. In the bad news, I was told by the accountant that when I made the tax payment for OH it would cancel the payment plan. Guess what, it hasn’t and £750 has been whipped out of the account. Doubt we’ll see that back. So a quick chat with the accountant and I need to cancel the dd. Possibly phone to get the money back, which could take a couple of weeks or try and get through without it and it’ll be taken on account for Julys payment. Will discuss with OH tonight. 
    Played shockingly badly at badders last night, just to prove last week was a fluke!  Meeting one of the other players for coffee on Thursday, after I’ve been to the docs with my blocked lug (ear) which is driving me daft. I’ve tried optrex and also done the ear candles but it’s not for shifting. 
    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
  • ouch to the money AND the  blocked lug - hopefully the Doc will be able to help with a way forward for getting that sorted.  when we were playing badminton there was no rhyme nor reason to the logic of good and bad weeks, i always found. Inevitably though a good week was followed by a shocker just in case my body/brain should actually start feeling I might be getting good at it, though! 

    Great news about the payrise though - that will help, won't it! 
    🎉 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
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