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Onwards and the debt goes downwards!
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The kitchen crew got us an anniversary card which was lovely of them. Did go for a quick drink with them after work.My ankles a bit ouchy this morning, I might wear my hiking boots to work for the extra support. Had a good chat with both DDs as they were together.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 -
Happy anniversary!
Sorry your trip wasn't up to scratch. Good you have a holiday option for next year.
Must be a relief that your eye sight is improving but a scary situation too - and difficult to plan for with the apparent variability.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 -
Happy Anniversary!
paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173 -
Belated happy anniversary, and commiserations on your miserable meal out and B&B experience. I agree that the B&B lady needs a new career!🎉 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 -
So, I’m really not having a good day. Feel like I’ve been thrown under a bus after day job meeting. Then I’ve just had a message off the b&b owners, they’re putting the property on the market. However it could take 2 years to sell. I did have a feeling that this might happen. I know potentially 2 years to sort something else out. Sigh!
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 -
That's pants. Not sure how long you are planning on working and, they've sell it plus the new owners may need staff still3
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I forgot the 🤗3
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Oh no. What happened with day job?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 -
I’d helped a colleague out of a tight spot and I was getting the rap for not getting in sorted, while she sat by the dark overlords side, completely mute. It’s the third time I’ve bailed her out. It’s certainly the last!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 -
Oh that's very bad of your colleague. Definitely leave them to sort themselves out from now on. I'm sure there will be lots of withering looks in their direction from your MSE chums.That's a shame about the B&B but as you say it might take a while to sell. Is it something you and/or any family members might want to buy and run?1
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