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Onwards and the debt goes downwards!

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  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I know in the scheme of things this isn't a biggie but my cleaner is finishing a the end of March.  I'm gutted she's part of the family.  I'm also thrilled for her as she's going onto bigger and better things.  Not sure what to do going forwards, money towards debt would be good but the thought of having to do everything and nagging everyone to help is draining me already.  
    Nearly the weekend, going to be working both days so should get a lot done.
    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!
    Get another one  :)
    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
    Thanks Beanie.  
    I have been so down since October and just felt a great foreboding hanging over me.  DD1 coming home has helped to shift it a bit.  Need to pull myself together.  Booked Gin in for her jabs in 3 weeks time and she'll also get chipped as well.

    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
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    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!
    :love:  :love:
    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
    So Gin has discovered her mojo and nothing is safe, especially mum!!!  Took all of them for a walk at the weekend and bless her she nearly walked the whole way.
    It snowed yesterday but had all gone by the afternoon.  DD1 got an early finish so when we got in she'd made tea.  Garlic prawns followed by steak with pepper sauce and homemade oven chips, delish.  Also the fire was lit so everywhere was nice and warm.

    Just over 50 parcels on Ebaz (ebay and amazon) so it's slowly picking up.  
    Had a telephone appointment with the docs today and got to go for some blood tests and she's referred me to a clinic for further tests just waiting for the letter.  Slightly anxious as she came up with something different to what I thought.  No point worrying until I get some results.

    Hopefully off to badders tonight.  Remembered to get the cash to pay for it.
    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
    Hope that all is well once you get the tests back - either way it is better to know. I have a cleaner and she is worth every penny - helps keep us sane and functioning. I second Beanie in saying get another one.
    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
    6 Bottles of blood they took!  Ruddy vampires and they did my blood pressure 3 times on one arm and twice on the other, thought they were going to drop off.  Also got outpatients appointment for Tuesday morning.  Hope the weather behaves so I can get there.
    Funny day, work wise as the accountant was here so I wasn't able use my laptop which has all my work on it.  Got loads to do and feeling quite motivated at the moment so that's good.
    Breton chicken for tea.
    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
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Ooh hope the tests are OK. Thinking of you

    Love the dog pics. Thats one benefit of this new look forum then...

    And to echo what Lou says..yes get another one. We didn't and our house is slowly but surely declining into squalor and the pet hair is never ending..... :open_mouth:
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I find the bp monitors very painful - especially the new electric ones - they seem to clamp down forever! Hope your appointment goes well and you get a good outcome. 
    Have you organised a new cleaner yet? It would be top priority for me. I have a bright and shining moment when she has just been and then it descends.... I am one of the worst culprits!
    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
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