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Onwards and the debt goes downwards!

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Comments

  • lucielle
    lucielle Posts: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Decided not to brush the dogs as there was no wind and I’d end up looking like a yeti. Did walk them and I’ve started a different route just over a mile but involves a ruddy great hill to mountaineer up. Hopefully it’ll help to improve fitness level or finish me off!
    Baked a not very chocolatey cake for tonight’s stichin’ and 2 lemon drizzles. 
    I made Tarka Dahl (@essexhebridean it took ages to cook on the hob. Is there some dark magic I need to know?) it is very nice. 
    Walked to meet OH on his way back from work. 
    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: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cake went down well and OH was pleased I brought some back with me. 
    I managed to plant the bulbs that were on offer. Not sure if they’ll grow but they stand more chance now than they did sitting on the kitchen table. 
    Busy day at work yesterday and more of the same today. House cleaned as it was very hairy. I’m honestly amazed the hounds aren’t bald. 
    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 cake, house cleaning, walks and pay rise.

    Commiserations re the tax situation and OH's injury. Does the item need fixing or replacing that is causing the issue?
    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: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No, SH its user error. Awake at silly o’clock thought I’d got over waking at this hour. I’ve found out what my pay rise is for my working from home job. Can’t say I’m overly impressed, in fact completely disappointed is probably more apt. They still want me to do 4 days a week but not yet. I’m once again undecided about that. 
    DD2 has got a lodger moving in. Hopefully that will go ok. She’s hurt her knee playing rugby and went to a&e. Stretched/torn ligaments, rest and ice are prescribed. She’s taking time off work to go lambing at the end of the month, so hoping it’s ok for then. She’s hoping her lambing money will cover the cost of a new boiler. 
    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: 96,137 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    We are alike sometimes. Being awake at silly o’clock. 
    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.
  • lucielle
    lucielle Posts: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Did a shift at the b&b last night, had to wait on as well as prep. It went ok a bit out my comfort zone being out front. A mile walk to a different beach.  Soup and a roll in a cafe and then a drive down some roads we’ve never been down for a nosey. 

    Also got my ear syringed. It’s marvellous now feel like I’ve got Dolby surround sound. Such a relief. Picked up our prescriptions while I was there. 
    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
  • teapot2
    teapot2 Posts: 3,565 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Lovely pics, good news that you are hearing better.  Was that done via your GP still?  They won't do ear syringing here any longer, has to be done privately now and not cheap 😢
  • lucielle
    lucielle Posts: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes the practice nurse did it. I don’t think you’d get it done anywhere else on the island. 
    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: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Work was very quiet last night. Only did 2 meals, tonight looks busier. Hoping to go to yoga and get the dogs out before work. OH has managed to secure a mooring for the boat. Ordered service parts and some other bits it needs. He should be able to service it himself. We’ll need to get a tender to get us to and from it once she’s moored. Just over 2 weeks and DD1 will be here. 
    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: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gosh I must be boring everyone to death. Might have to bring the choccy biscuits out to tempt you all back (rustles the packet). Anybody…..?

    Nope just me then. A busier night last night and just 3 of us on service. The lady running front of house was a bit panicked but we got through it and it went well. I keep forgetting I’m in tomorrow night instead of Wednesday and I need to collect my Morrisons order before I go. Debating whether to ask OH to swap cars on his way home then I don’t have to unpack it when I’ve finished work. 
    Had planned on doing a longer walk but the weather isn’t playing ball. It does mean I should do the housework today instead of tomorrow as I’m working. OH can do his bit tomorrow. 
    I think I’m going to have a bash at making oat bread today. A lady from work has leant me a a book on bread baking so might have a mooch through that. 
    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
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