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Onwards and the debt goes downwards!
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Hope you are all set for your holiday and that you have a wonderful time.3
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Was his previous hobby sailing? Is that still on hold or did it get resolved?
Hope you have a lovely holiday and get a raise from the boss.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 think the boat is his nemesis!! It’s still not fixed. Could go with DS2 coming up and helping.No news on the pay but at least I’ve said something.Just about packed up. Still need to do some cleaning as I like to come back to a sparkly house. Cooking went well yesterday. I made naan breads, soup, quiche, lemon drizzle and roasted some parsnips in honey. Fridge is bare and needs cleaning. Dogs beds got washed. Our bed will get done tomorrow. Early start needed.Did a shift at the b&b tonight as they were short staffed.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 -
Need some kindle advice, it got doused in a couple of glasses of cocktails (don’t ask). Managed to dry it out and get it working but I’ve lost all my books (497). I still have it on my phone is there a way of syncing it back to my kindle?
Holiday going well, think I’ve fed all the mosquitoes on Ibiza!! I do react quite badly to them so my legs are a bit of an oozy mess.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 -
Sorry no advice re kindle but it sounds like it was having fun but over did it with the cocktails 😉
glad you are helping the mosquitos in my absence. They love me too and can pick me out in a crowd.
keep enjoying your holiday!2 -
Yes you can go into the kindle on your app and choose to send them to the device I believe. You'll probably need to download again the ones you want*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3 -
You should be able to do it from the kindle. Select sync in the settings when connected to WiFi3
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Had a quick look at reversing the kindle app to kindle but not successful yet. I think you tube might help when I’ve got a few minutes spare. I do wonder if I should upgrade my kindle, part of me thinks it’s a good idea, however it’s not actually broken so not sure it’s justified.Holiday was lovely and everybody got along, even managed some time on the beach (I hate sand). DGD wasn’t too sure about it either until she got her beach shoes on and then she could stomp on all the sandcastles we built!
We both had a sports massage after we landed back, it was wonderful and I can roll over in bed without having to do a 15 point turn! Had a lovely weekend in Keswick, staying at a b&b we’ve stayed at several times. Managed to buy some Christmas presents so DGD is sorted.Returned to work to be greeted by 405 emails, that kept me out of mischief for a few hours.Had to go for my first mammogram yesterday, b00b squeezing done but it means I owe work some hours which I’ll do this afternoon. Meeting a friend for coffee and Zumba today. Not sure Zumba is my thing but I’ll give it a whirl.First shift back at the b&b last night. Currently have no KP at the moment so it’s all hands on deck. Boss lady’s husband was coming to take over at 7. He’d literally put 2 loads through and very badly cut his finger (probably needs a stitch). It was back to juggling waiting and clearing tables, prepping food and washing up. We got through it! Boss lady has had a think about our conversation before I left and running the hot line and has offered an increase in pay, which is appreciated. I’ve extra shifts this coming week to cover leave, so hopefully I can find my feet and keep it running.Gary Golf is in for 4 new tyres on Friday and the ATV has a tyre that’s got a puncture so that’s going in as well.In other news the dodgy builder has been and taken the chimney down and made us weatherproof. So kudos to him and also very relieved that a) the job has been done and b) he hasn’t run off with our money. We now need to continue taking the chimney down. We’re hoping DS2 will come up in November and give us a hand.The dogs were chuffed to see us back and have been clamped to my side. Won’t be so impressed when I get the grooming brushes out!
Had a small win on the PBs.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 -
Forgot to mention that whilst on holibobs DGD saw a cat and it was like something off Despicable Me, with the it’s so fluufffyyyy! Obviously she couldn’t say that but the amount of squeaking she did you got that impression. We taught her how to meow and it’s the cutest thing ever!! I’ve got it on video and keep playing it.Zumba didn’t happen, apart from myself and friend nobody else turned up. Went for a walk instead and did just under 4 miles. Felt guilty as I didn’t have the pooches with me. Touch wood my ankle is ok. I’ve got extra b&b shifts this week so hope it behaves.OH and I have been doing yoga in a morning, ever since we started my back keeps twinging like it’s going to develop into something more painful. Decided to give it a miss this morning but do want to keep it up especially as OH is on board.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 -
DGD sounds v cute. It must have been lovely to spend time with her whilst on holiday.
shame about the Zumba. I enjoy my Wednesday Zumba - well actually it's the music I really like and the exercise bit is a side effect 💃3
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