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Onwards and the debt goes downwards!
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Hope your insurance claim goes ok.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 13/9/252 -
Cleaned 2 cottages yesterday with my friend. She’s just urgently messaged me as she’s poorly with potentially Covid (great, watch this space) to see it I can help with a cottage today, which I can. Had 19 booked in last night and ended up doing 42!!! A busy night.My friend also works at the b&b and my other colleague said she felt rough yesterday.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 #1244 -
Fingers crossed you stay clear of the Covid and your friend recovers well.3
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So, chatted with b&b owner about tomorrow nights shift. I’m going to (attempt) to run the line but have a longer gap between the sittings and they’ve taken the salmon off the menu as it’s a !!!!!! to cook right. I’m going in earlier to help prep and try and work out timings for the dishes.Went and saw OH at work took the dogs in to give them a bit of socialising, then went to the beach. Had a lovely lunch in a cafe and brought some cheesecake for tonight’s pud, which has been consumed and was very 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 -
Hope all goes well the morrow.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 -
Oh fingers crossed to a successful covid escape. That's great that the B&B listen to your feedback about things like stuff that doesn't fit well for cooking purposes with everything else that is going on though.
Mmmmm.....cheesecake!🎉 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 -
Made it through Sunday service, meals not church! Boss lady was my side kick so under no pressure whatsoever…..We did 16 covers so not too shabby and I did relish the challenge.Collected my Morrisons order last night so the fridge had been fed.Currently got a bird in the open fireplace, the guard is up. Waiting for DS2 to get up and help catch it. I knew there was a nest up there as I can hear them cheeping, so not sure if it’s a fledgling. I’m interested to know what kind it is.Off to the neighbours for tea tonight so don’t have to bother cooking.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 -
Ju
st left the neighbours and taken this photo at 11.45pm. Glorious night
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 #1246 -
Gorgeous pic. We had a peachy orange sky last night.
It must have been a good night at the neighbour's if you were getting back that late
Did you manage to rescue the bird in the fireplace?? 'A watched potato will never chit'...1
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