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Onwards and the debt goes downwards!
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Did a 12 hour shift yesterday over both jobs and same again tonight and tomorrow. I did ask that once service was finished if I could leave and the others could wash down and set the dining room up, boss lady said that was fine.Managed to collect my parcel from the PO but not had chance to build it yet. Might try on Thursday when OH is around and the boiler should be getting serviced.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 -
So finished my working week last night, gosh I’m tired. Got up yesterday about 10 ish after lolling in bed mindlessly looking at my phone. Brought the bin back down after it had been walked and then had a nap before going to work. The night before was a late one as OH had been out with some of the boys from work, so after I finished work I went and picked him up. It was after midnight before I hit the hay. Poor OH was a little bit delicate when he got up for work. Self inflicted so not much sympathy going round!
Finally built the grooming arm thingymebob and managed to put it on a table we were going to get rid of. We moved that into the kennel so as long as the rain isn’t blowing in that way I can brush them when I want. I’m hoping to try it out today. Still need to sort the bottom of my wardrobe out, which may also get done today.OH has to go to hospital on Wednesday, his family have a history of bowel cancer, so it’s a check up. Could be an interesting journey as there aren’t many toilet stops between here and there. Let’s hope the purge does it in a oner and he’s ok to travel. I’ll leave it to your imaginations where the camera is going..
In most exciting news DD1 is coming up, she hadn’t had her annual leave update as she’s been there over a year and has some extra days. She’s coming up Friday night after work. I haven’t told OH so that’ll be a surprise. I’m hoping the weather Gods play ball, we really haven’t had much of a summer, I think May was the best month.DD2 started her new job and is busy finding her feet. Seems ok so far.DS2 has returned from working offshore in France but gone straight to offshore at Bristol. I think he’s on nights again but not had chance to catch up.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 -
Sorry your eye issue is persisting. Hope new glasses help.
Well done on covering those shifts at short notice.
Hope you have a lovely time with your DD.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 brushed 1.5 dogs. It started raining and it was blowing in do I gave up. I’m really struggling to get motivated today. Added up my hours from both jobs for last week, came in at 49. Could possibly have something to do with it. Plus I did cottages on Friday. Really need this lethargy to lift.Had to chuck lots of stuff out the fridge as I wasn’t around to cook it, which is annoying. Have lit the stove today as it was feeling a bit chilly.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 #1245 -
Lethargy and exhaustion are not quite the same - it sounds like you burned yourself out - and need to rest. Hope that's possibleAchieve 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 -
You've done a lot of hours, unsociable ones too, at a strenuous job. Not surprised you are tired.
Enjoy DD visiting2 -
My sympathies on the tiredness. I find that if I do three shifts in a row for Job 2 ( so late finishes) I am wiped out the next day. Frustrating !paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173 -
Currently sat in hospital waiting room for OH to have his procedure done. We arrived a bit early so got the tescos shop out the way, will need to do lidls and B&Q to change a saw blade.Work was good last night and had a rapport going with a couple of guests who were staying. OH still doesn’t know DD1 is coming, though I did nearly let the cat out the bag the other day.He’s put the shelves up in the utility so looking forwards to sorting those out tomorrow. I’m also going to make some Dahl and have a little lie in.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 -
Hope the travel to the hospital appointment didn't prove too challenging and that nothing untoward is found.
Not surprised you're feeling a bit cream-crackered allowing for the amount you've been doing. The stuff you do at the B&B would scare the bejasus out of me so kudos to you for that!🎉 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/her4 -
DD1 made it up and had me fooled and OH was completely in the dark. She’d been saying she was having troubles with her 4G at the end of last week. That meant I couldn’t track her. I was expecting her around midnight on Friday. I was also sending screenshots shots of how to fix it. Anyway I was at the b&b in the kitchen when the door opened and in she walked!!! She’d left work at 10. I’d phoned her just after 5 to tell her to stay safe. She said she wasn’t on hands free (she was) and was at x place when really she was at Eileen a donan and nearly at the bridge! Honestly such sneaky children!Came home from work on Friday to find the cows were trying to break in. The dogs went mad at 1 in the morning, they’d succeeded. OH got up and chased them out.Did a lovely 2 mile circular walk yesterday. DD1 dropped me off at work and then her and OH came to the pub at the end of service and met all the kitchen posse. We dropped one of my co workers off on the way home.Had planned to go to the beach and swimming but the weather isn’t playing 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 #1242
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