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Onwards and the debt goes downwards!

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Like the idea of cheeky costa. Not an easy decision borrowing from your chaps. Hope things pick up business wise for you soon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Took the younger dog to agility last night. She was really grumpy with the other dogs despite knowing them. Need to keep an eye on that and get it nipped in the bud.

    Also had my first crochet class. Not sure if it'll happen next week as there weren't enough people but I do have a plan B.

    Going to the pictures on Friday to see Jo Jo Rabbit with a friend and she's suggested a Chinese before we go. Will have to look at cashflow before I decide.

    Was busy with online sales yesterday, hopefully its the start of things to come.
    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: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the online sales.
    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: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Got a really bad headache, which I woke up with and feel quite sick. Feeling a bit sorry for myself.
    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: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    hope you feel better soon :)
    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: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Feeling a bit like I've got my mojo back a little bit, especially after all the financials since October.

    So far I've done 3 loads of washing, 2 are on the line. Tea is on in the slow cooker. The insides of the oven are soaking in the bath and the oven has been liberally doused in cleaner waiting to be scrubbed. Fire is cleaned out and ready to be lit later.

    Waiting for an email to come through and then I can do some work. If it doesn't come through I may attack the raspberry canes and get them sorted and the bed tidied.

    Gin the puppy has learned how to climb out of her bed but she's not mobile enough to get back in, so we keep finding her asleep on the kitchen floor.
    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
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Reading about your crocheting reminded me that I spotted my crochet stuff when I was decluttering a cupboard last night - quite tempted to get it out and see what suggests itself to make now - although I'd need to give myself a thorough YouTube refresher course first I think!

    Sounds like you have had a properly productive day so far!
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    5 loads of washing on the line. Hopefully my bedding should be dry. Absolutely love the smell of line dried bedding!!!! The rest should only need a quick tumble in the drier. Took Gin outside with me to give her a bit of fresh air and she's just so darn cute!

    Oven and all its innards are washed and put back together. Even had a rush of blood and I've washed the living room carpet and spot washed another carpet. They need doing properly but wasn't in the mood to shift all the furniture and my back was grumbling at crawling round the floor. My carpet washer is ancient and does the best job if you're down on your hands and knees.

    EH, I was inspired by another posters crochet pics she put up of a stunning blanket she'd done. Sadly she doesn't post any longer. Still have to make 4 granny squares before Monday so I might crack on with that. Though the work email has come through, so probably better if I focus on 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Very impressed with all the cleaning.

    Hoping you feel better and that your crochet class continues to run
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Finally made it back on, think the bribe worked!  Had trouble with password and not receiving the email to reset it, even though I sorted before we all moved.  Still trying to get to grips with the forum, if anyone can provide idiot proof instructions on getting an avatar please feel free.

    Went to the pictures to see Jo Jo Rabbit and enjoyed it.  Did go to the Chinese but not sure I'll hurry back or at least try a different meal.  Booked tickets to go and see 1917 later in March.

    We're probably going to have to replace the kitchen floor as the dog has ruined it and it really does smell.  Debating whether to go for tiles or vinyl.  Tiles will mean OH does it (he's not brilliant at DIY more like destroy it yourself) even though he thinks he is and it will annoy me if there's a bit that's not quite right.  Vinyl would be 250 all fitted tiles are 150 plus all the other bits grout etc.  Will need to save up for it either way.
    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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