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Onwards and the debt goes downwards!
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Ah, not much TC. Unless you’re really bored I wouldn’t bother.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 -
Managed to get all the bedding dried outside yesterday, no mean feat living up here. Tonight we're off to the village hall for a consultation thing about a pipeline they want to lay in the loch and through the glen.
Just booked a couple of days leave to coincide when OH is off. I've potentially booked a taster session in axe throwing and archery. Just waiting for confirmation that's going to happen. Did think about booking an overnight stay in Inverness but the costs would've mounted up.
I was supposed to make a chick pea curry last night but mistakenly opened a can of butterbeans so they got lobbed in instead. It was ok nothing to shout about. Having leftovers for tea tonight.
Currently on hold to M&S as one of my parcels hasn't arrived and should've been here on 4/11/24. I did phone on Thursday last week and was supposed to get an email about it yesterday but nothing plopped into my inbox.
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 -
Aww gorgeous dogs L, they actually draw one's eye away from the stunning view, which is saying something!
Nice work getting the washing done - we've had some out today but I suspect it may not quite have dried - and I'm hoping MrEH has brought it back in again by now as it's now threatening to rain!🎉 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 -
I’ve had my covid and flu jabs, covid arm was a bit sore but ok now.Phoned M&S again as still no parcel, this time I asked for a refund and got one. Reordered the items so fingers crossed they make it this time.Need to pay for the axe throwing and archery today. OH still doesn’t know that I’ve booked it and the time off work.Had a meeting with b&b boss lady about how next year is going to run. I think it’ll be more of the same thing and probably do hot food instead of platter nights.Talked to another lady who has a poly tunnel (it’s massive) so when OH is off we’re going to go and have a look.DD1 has got me some old cattle lick tubs which I can make into planters. These will have blueberry plants in. Probably collect those at Christmas.Doesn’t look like DS2 is going to make it up, he’s got some work to fill in his time before he goes offshore at the end of the month.Funds are looking a bit tight until payday, so I’ve cancelled the Morrisons order and time to get creative. That said we are out next Saturday to see a comedian and will probably have a meal out.Got the chimney sweep coming to do the stove on Wednesday. OH is off so he can see how he does it then do it ourselves next time. Got the cash waiting to pay him.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 -
My house insurance insists on an annual professional sweep 😡😡😡😡Sealed pot challenge 822
Jan - £176.66 :j4 -
Love the money box opening!!
Good luck with making your £ stretch to the next pay day.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 13/9/253 -
I was watching an eagle through my office window. It was hovering and was getting ready to pounce when another eagle came and started mobbing it. I’ve seen crows chase them off but never another eagle. However what I found fascinating was it actually hit it on the back of the head. They ended up swapping positions and the usurped one did the same thing to the other one. Isn’t nature amazing. It was like watching planes fighting each other, off a war film.I’m hoping I’m not working tomorrow night as the roads aren’t great with this cold weather. I’ll find out tomorrow if I’m needed.Chimney should be swept tomorrow as long as he gets here ok.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 -
I love watching the big raptors interacting - although you're right, that sort of mobbing is quite unusual isn't it!🎉 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 -
Chimney didn’t get swept due to weather but booked for Monday. Didn’t go into work (yay) again due to the weather, OH did offer to drop off and pick me up. He’s managed to wangle a snow day for today.I was supposed to clean a cottage today along with a friend. She couldn’t make it as she got called in to work (covering another person who couldn’t get in). So OH (superstar) came and scrubbed a cottage with me. I’ve only done this one once before and it’s a big 3 bed one. I did treat him to a bar of choccy on the way home.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 -
That all worked out well with your OH being about to help then!🎉 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
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