We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Onwards and the debt goes downwards!
Comments
-
Our gym has a plunge pool - I keep watching people getting in and shivering for them !Sealed pot challenge 822
Jan - £176.66 :j2 -
Brave!!!!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 -
OH has swapped his days off, so he’s home today and is going to have a very stern chat with Gary Golf. He’s currently on YouTube looking at diagnostics.1 load of washing on the line and another will go on when it’s finished. It’s a nice day but a very cold wind.Currently up to 28.55 miles. Hopefully get out at dinner time and maybe an evening walk. Need to collect the Morrisons order as well.The oat bread was lovely and would be nicer with added fruit to make a fruit loaf. The carrot Dahl was also delicious.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 #1243 -
Glad the baking turned out well.
Hope the stern talking to of the car works out equally well!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 -
Gary Golf is working again. Really not sure what the problem was. DD1 is bringing the diagnostic computer up with her so we’ll put him on that when she arrives. Keeping a beady eye on the weather as the dreaded white stuff has been forecast. 2 more sleeps and she’s here!
Managed another 2 miles after work and collecting the shopping.Went to stitching, I took my silk patchwork table runner with me. I bought it when we went to Sri Lanka and only started using it when we moved up. I washed it at the weekend and noticed that some of the squares were fraying and coming unstitched. Way beyond my limited sewing abilities to mend. Lightbulb take it to the ladies what know things. Anyway a lovely lady put some magic sticky fabric in and some very small stitches and it’s as good as new. I have had my wrists slapped for washing it in the washing machine and hand wash is the way forward.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 -
I thought you'd gone quiet but no - turns out you'd dropped off my bookmarks for some reason!
You're doing really well with the walking - and got to love a short walk with an Everest-like hill involved! We're hoping it will be dry enough for some decent walking when we're over in the Isles in a couple of months but with the way the weather has been we're not so sure it won't be another soggy year!
It's a pain about the car situation - fingers crossed that the fix works and he continues to behave himself!
How fantastic that your lady at your sewing group was able to mend the runner for you as well - things like that with memories attached are worth more than the "thing itself" aren't they!🎉 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/her1 -
Hi @EssexHebridean. It was DS1s birthday yesterday. I feel so sorry for him and really not sure what to do or say because once you’ve said it, it can’t be unsaid. His GF and DDG went to her parents on Sunday (she goes every week) and didn’t come home for his birthday. He looked shattered (video call, hoping to see DGD as well as him). He hasn’t properly started lambing yet either, just got the usual problems before they all start popping. The small gift I sent apparently hadn’t arrived. I was so upset for him but I’ve got to bite my tongue. I used to regularly message GF but it’s got to the stage she doesn’t reply and when I do check ‘ she hasn’t seen it’ despite never being off her phone. It’s such a difficult egg shell stepping time. OH is thinking of going down for a couple of days, which I think is good.I phoned him this morning to see if his pressie had arrived and it had. He’d had his tea cooked his own and gone to bed. DD1 phoned him and said he’d got upset because he hadn’t seen his daughter all week. She told him it wasn’t normal family life. He did say that Gf was under constant pressure from her mum to be at theirs. It’s also over an hours drive each way and they aren’t very well off.Busy night at the b&b, which was lovely. Not in on Friday as I forgot I worked Fridays and booked a table at a favourite restaurant for OHs birthday. No more sleeps for DD1! She’s on her way up tonight. She keeps sending me gifs of different kinds of excited, which is lovely.DD2 has started night lambing and having her new boiler installed. Luckily she’s sleeping on the farm so will get some rest.DS2 is back from Amsterdam on Saturday, not sure how long he’s home for before he’s away again.I had a quick chat with the dark overlord and said I’m happy at 3 days, unless there’s something I can sink my teeth into project wise but I doubt it would come my way.We’ve both been paid except for B&b wage, which I thought was in today but no sign of it. Current thinking is to try not to touch that wage and let it mount up and try and live off 2 wages, even though mine is a part time one. I’m very pleased with how this months money has panned out. HMRC took a large wodge of it at the beginning after the tax fiasco and we knew it would be tight. I only had to use £123 from savings to keep us going.Ordered some boaty bits that had failed to be delivered despite the courier saying it had. The company is resending us the missing items. Hope it makes it this time.Right, off to find some lunch.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 -
Family issues are always hard. Not sure if you have Easter off or working at the B&B job but hopefully you'll get plenty of time with DD12
-
Ps, re outdoor swimming, please guys don't start for a month or so unless you're already swimming/done winter before. Usual place to swim is back down to 8 which is definitely still cold.im West Yorkshire, different bits of the UK will have different temperatures2
-
Sorry about DS - and missing DGD. That sounds really rough.
Good DD is nearly here.
What a lovely win on the silk runner and the help from the club.
Sounds like you are budgeting well and got through the lean period where you didn't have the B&B £ really well. Have a lovely Easter if I don't catch you again beforehand.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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards