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
-
Well, I'm hearing reports of horrible weather from all other! Good luck with a walk2
-
Hope you managed to increase your step count.
Glad DD is supporting DS too.
Hope you find a hairdresser. I'd find that difficult. Can you try DH to dye your hair? Cutting it may be trickier...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 -
Woke up to lovely blue skies. OH dropped me off on his way to work and I walked home. With a couple of laps of the house got a mile walk in before work. Go me!!
I did call in at hairdressers in town but she wasn’t taking any clients on that needed colours doing. There is another one to try which is on today’s agenda.Didn’t go to stichin as still felt rough and didn’t want to infect them as well.Shopping collected and had stir fry for tea which OH cooked.Hopefully going to make a start on getting a shed/kennel built so when the hounds are filthy or we’re out for the day they can go in there. OH has ordered some sand and stone, probably need to get a membrane we can do the pad as we have a cement mixer and digger to dig it out.I made enquiries about getting a boat (tender) for when the big girl is moored to get us from A to B. He has them in stock and are £450 so possibly going to get one of those.Managed to get to the bottom of my emails as I only worked one day for main job last week.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 -
Glad I got the walk in, it’s raining now. The other hairdresser isn’t taking in new clients. Aagh I’m going to end up like Rapunzel!!!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 -
Aargh. Sounds like an opportunity for a new hairdresser to open up!
I forget, did the dogs get groomed?0 -
Managed to book in for a cut, wash and bow dry. I think the days of getting a colour done are gone. Mind you it’s only £31 which is a lot cheaper! Silver linings etc
The dogs are getting done on Sunday. OH is coming with me so hopefully it’ll be nice and we can get a walk in and maybe a coffee and cake.Managed another sneaky mile in my lunch break. If it isn’t raining might get another one tonight
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 am not ready to give up my colour yet!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.3 -
This combination of comments made me giggle - L, ask the dog groomer if they can do you as well as the hounds?! :LOL: (Sorry!)peb said:Aargh. Sounds like an opportunity for a new hairdresser to open up!
I forget, did the dogs get groomed?
Great work sneaking in odd bits of walking where you can - I always try to get out at lunchtime and it was the main thing that made a real difference to the way I felt in the winter - just getting that bit of extra daylight I think.🎉 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/her2 -
If you stick to one colour - your DH could slap it on - like my DD did in lockdown. It was so worth it to me. Or ask a friend to paint it on for you when you go around.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 -
Thanks for the suggestions. I think I’ve reconciled it with myself to return to au natrel! We both had the day off yesterday so went and purchased the tender to get us from A to B when the big girl is moored. Also bought DD2s birthday pressie which I posted today so hopefully should make it for 6 May.Helped clean 2 cottages this morning, funds from that is going towards holiday spends. Not long now.Off to b&b shortly. Don’t think there’s many booked in. I know I need to make fish pate. Such an exciting life I lead!
Paydays next week! Exciting, well probably not!
Ive emailed a company for a quote for panels and kennel to do the dog run.Also emailed a company about a poly carbonate greenhouse. That was expensive so on the back burner for now.Dogs to the groomers on Sunday.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
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