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Onwards and the debt goes downwards!
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Fish 1 DD nil
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 #1245 -
That would happen to me too!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 -
Brilliant photos - absolutely hilarious
'A watched potato will never chit'...2 -
Fab photos!paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173 -
DD2 got back yesterday dinner time. She had a follow up meeting for a new job she applied for and subject to references….. she’s got the job. It sounds amazing and will really improve her skill set.Surprisingly busy last night even though the footy was on. B&B lady boss got me a little bag of goodies for being there for 1 year. That was lovely.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 -
How lovely to get a wee bag of goodies.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.2 -
Aww lovely to get your one year anniversary marked like that!
Those pics are superb! (And hilarious!)🎉 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 -
DD2 has been offered the job and has handed her notice in. Apparently her manager cried (tears of joy??? lol!) Her new job sounds very exciting and challenging and I’m sure she’ll relish it.Done the holiday cottages. One of them wasn’t left in the best of conditions. They’d washed the dog in the bath, left the towels all over, filthy and certainly didn’t know how to use a toilet brush….. enough said. I’m glad there was 2 of us doing it.We desperately need the fence replacing, hoping it will be done before the end of August. There was a cow in the garden yesterday morning. The dogs were going mad, I thought it might’ve been a stag but no it was a moo.We’re having a money meeting on Sunday. I just feel like things are running away a bit at the moment and lots of things to pay for coming up. We do have some savings maturing at the end of the month and some is destined to pay the last huge tax bill. Just hope I don’t mess it up like last time!
Holiday insurance have said they’ll pay something just not sure how much.I made a chick pea Dahl last night and my take on a peshwari naan, it was lovely and just had some for lunch.I was going to hoover the car but it’s raining, might do it tomorrow if the weather plays ball.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 -
Fabulous photos of DD and Harry Houdini the fish
money meetings are always a helpful reset and for me it helps to share some of the details with DH who is usually happily oblivious to all things money and admin based. Though to be fair he isn't a big spender - Shirley Bassey definitely wasn't thinking of DH with that song!3 -
Well done to DD2. Eeek to the cows.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.4
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