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Onwards and the debt goes downwards!

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Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry I lost track - is it your BIL having stents or your OH or someone else entirely?


    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
    It’s BIL on 12th June. 
    A medical problem I had in 2020 has risen its head. I was at the doctors yesterday and have an optician appointment today. It will be down to them if we can fly on Friday. Having to take my BP regularly which I don’t like. Hey ho. 
    Luckily my neighbour drove me to the docs and she’s going to take me to the opticians as I’m not allowed to drive. 
    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: 96,141 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great to have a helpful neighbour. 
    Hope you can get the go ahead to fly. 
    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.
  • pink_poppy
    pink_poppy Posts: 2,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    Oh no, lucielle, hope the health issue can be sorted and you can still go on holiday.
    'A watched potato will never chit'...
  • lucielle
    lucielle Posts: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 29 May 2024 at 2:39PM
    Opticians have said eye is fine but not sure why it’s doing what it’s doing. Currently in a&e. 
    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
    Hope you can get some answers about whats going on x
  • beanielou
    beanielou Posts: 96,141 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you get answers soon. Take care xx
    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
    Now at Raigmore, hopefully they’ll get to the bottom of it. Told the DDs
    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
  • pink_poppy
    pink_poppy Posts: 2,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    Oh heck, that's Inverness isn't it. Hope the Drs there can find out what the problem is.
    'A watched potato will never chit'...
  • lucielle
    lucielle Posts: 11,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes it is. 
    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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