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Onwards and the debt goes downwards!
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Hope the boat fix works and that the optician bill isn't too great.
Good luck with the next chimney quote.
Glad you had time with DD and have other visits to look forward to.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 -
I've currently got a very depleted medical, dental and optical savings pot. Teeth, eyes and ears do not come cheap! Planning to throw some my money into that pot for the next few months and then maybe £20 every month on a permanent basis.
hopefully OH can get a good deal if he needs new glasses.
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OH has picked new glasses, should get them in 2 weeks. Still not heard about my insurance claim, hope they make a decision soon.Had a quote for the chimney, expensive! Gone back to him to just take the chimney off and make it water tight. That isn’t too bad so will probably go for that and take it out ourselves.The lawnmower box we collected from Dingwall has come with an incorrect part, which is very annoying. OH could possibly make it fit but after spending a lot in it I don’t think we should settle for second best. He’s going to phone them today.B&B work was very quiet on Saturday, I don’t think the football helped
We went swimming and DD2 went paddle boarding with one of the dogs. I managed to actually get in and swim as well. We did have to go back as we forgot the dog leads
The neighbours came round for a meal I kept it simple and made a lasagna with honey glazed carrots, garlic bread and some salady bits. Eaton mess for pudding with a meringue I cooked in the air fryer which came out ok.
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 #1243 -
Love that pic, lucielle, so funny
'A watched potato will never chit'...2 -
Look at that lovely beardie 🐶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 -
She’s been on the board with DD2 again today, just in the local river estuary. She’s going to miss her when she goes. I’m so glad we did it, I’ve been wanting to swim there since we moved up and it was just lovely. Swam up to the waterfall and then let the current take us back down. Not so keen on the rocks covered with seaweed *shudders*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 -
Lovely pic.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 -
Aww they look like they are having a fantastic time - and well done you going in and swimming too!🎉 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/her3 -
Called in at the boatyard today but he didn’t seem very keen to take it on. He has given OH some ideas on what it could possibly be so it looks like it’s down to OH at the moment. It is glorious here today and also the last day for the chaps being here. They’re going fishing off the rocks later, now we’ve replenished the fishing tackle supplies.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 -
That's disappointing about the boatyard L - is there anyone else on the island who might be able to help, or failing that, anyone over at Kyle or that area?🎉 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
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