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Onwards and the debt goes downwards!
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In hedgehoggery news, he was struggling to gain weight and maintain his body temperature. I called the vets and dropped him off this morning in the hope they can get him to thrive and then be released.Car seems to be behaving which is a relief. I had thought my last shift at the b&b was on Sunday until I get a message asking if I knew that I was in last night? Nope not a clue. Anyway I quickly donned appropriate attire for front of house and did a 3 hour shift. I don’t normally do front of house as it’s out my comfort zone and I like to hide behind the scenes but I quite enjoyed it. Had some great guests in who I could have some banter with.The other plus was OH ended up doing all the cleaning as Monday is housework day.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 -
Back off holibobs and it was hot, very hot. I’m not built for 31 degree heat. We’re both very crispy round the edges!! Managed to get each at least one Christmas present while we were there and I didn’t do too badly and got some new baubles (jewellery) as well. Also purchased a lovely leather belt, very much needed as my trousers keep falling down!
Came home to find the sheep had got in the garden. Incredibly !!!!!! off as they’ve eaten my herbs and sweet peas which had just started to thrive. Everywhere is covered in sheep !!!!!! so will need to get that sorted.I’ll phone the vets later to see how Merrys doing.Managed to do a massive lidl shop on the way home, so the fridge is full.Tumble dryer has decided to stop working. Had a Quick Look on google and hopefully OH might be able to mend it. It’s not that old so really hope it works.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 -
Not having the best start to being back home, tumble dryer not working, see above (just bought a new dishwasher) got in car and noticed mahoosive crack in the windscreen which wasn’t there yesterday, my earring just fell out and can’t find the other half. Phoned the vets and the hedgehog didn’t make it.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 L I'm sorry all round, although glad you had a lovely time on holidays, that at least is something, although it fades fast enough let along when everything immediately goes T-up!🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Sorry things are not going well. Fly high little hoggie.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 -
A busy service last night with 37 covers! Ordered some wood to carry on with the garden work. OH blocked up the hole the woolly fudgers were getting in, however came home and there was one on the lawn so need to find the gap that ones using.OH has looked at the dryer and it needs a new motor, so I’ll try and source that today if I get time. Got 2 cottages to clean before this afternoons shift. Also need to sort out the windscreen and get that repaired before I go south. Booked the car in to get 2 new tyres and it needs tracking but that won’t happen until I come back from south trip.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 -
Just ordered the motor for the TD after checking with OH it was the right one. Still need to do windscreen, ran out of time yesterday. Slow night last night only 19 covers. Nice early finish though.Going to do some batch cooking ready for when the chaps all come to stay in August.Still need to sort the wages out and do the money shuffle and pay the cc.Chasing a chap for a delivery of stone we need who has gone radio silent.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 -
You are busy! Great that OH can fix the tumble dryer.3
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Made 2 huge lasagnas and froze them. I was going to make a batch of sticky toffee pudding but I didn’t have any dates but added them to the Morrisons order.Managed to do some money shuffling and paid the cc but the balance to pay for next month is large. Money is haemorrhaging in a very scary fashion! OH is buying an attachment for the digger which will mean we can move some of the massive rocks lying around (secondhand). He’s collecting that tonight. Also had contact from the stone chap 20 tonnes (eek) being delivered tomorrow and wood arriving on Tuesday.We both have another week off staring on Thursday but I’m still doing the b&b job as it’s harder for her to find cover.Had a Quick Look at my work emails 425 to get through so far.Must brush the dogs today as it’s been 3 weeks.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 -
Hope things improve for you soon Lucielle - it all sounds very full on. Sorry about Merry too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252
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