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Onwards and the debt goes downwards!
Comments
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Glad everyone is back home. Good SIL can drive again - a huge relief I'm sure.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 -
It’s a nice day and the groomers has cancelled the dogs so that’s a job to do. Washing in and will be pegged out once I’m up. I’ve got a longer walked planned to try and up the mileage a bit but must brush them first.Got some cooked beef out the freezer to knock up a roast dinner for tea.Work was quite busy last night and glad the other lady I work well with was in. A customer had a lot of allergies which we had to accommodate so that was a bit stressful. We worked it out between us and got it sorted.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 -
Are you going to do the dogs yourself?
Have a grand walk, I'm heading swimming (outdoor) later instead.1 -
Oooh Peb, very jealous. Do you actually swim or bob? Hoping to go when DD1 is up.I try and brush them but they hate it and contort themselves into awkward positions so I can’t get in all the nooks and crannies where they need brushing. I’ll message the groomer later this week as she hasn’t given me another date. I do have a feeling ( call me paranoid) that she might be dropping me.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 -
Swim. It's up to 10 degrees now where
I swam yesterday so a decent swim.
Good luck with the brushing, and even more luck with getting a new appointment with the groomers!2 -
What a gorgeous spot Peb
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Oh that looks lovely @peb have you got any tips for a newbie? Thinking about getting a rash vest and probably not going to bother with a wetsuit as I’m too fat for it.Swerved brushing the dogs as I thought DD1 can give me a hand. Just back from a 2 mile walk including Everest
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 -
That looks amazing peb.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 -
Oat bread cooked in the air fryer. I’ll let you know what it tastes like
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 #1244 -
Looks lovely @peb but sounds cold!
Well done on the baking and the Everest walk Lucielle! Good thought on DD - I like it. I think you could be right on the groomer - either that or they sound a bit flakey.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 13/9/250
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