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Onwards and the debt goes downwards!

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Comments

  • lucielle
    lucielle Posts: 11,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Baby finally has a name!
    L

    Total 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 #124
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Wow that really made me LOL. I know I'm late to the party but - brilliant. That's for telling us!!

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Congrats on your new granddaughter.

    Love all the photos.

    LOL at scrolling back to find DOB - I can so relate.

    Good luck with the garden room.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • lucielle
    lucielle Posts: 11,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I’m trying to be more positive and not so doom and gloom as I’ve been feeling a bit teary and fed up.
    In today’s positive news, puppy has managed to ‘go’ outside instead of going outside then coming in and promptly having a wee/poo. I’ve been doing 10 mins at learning to sit (puppy not me, though I am very good at it even if I do say so myself!). She’s very quick and thinks just plonking her bum down deserves a treat. She hasn’t associated the word with the action, though it is very early days. OH and I took them up the lane, as she was so good I took (all 4) them out on my own. Glad we didn’t meet any cars as I haven’t got enough hands to hold them all. I’ll need to get her on the lead at some point.
    Making a triple batch of cottage pie for tea, then I can freeze some to take down.
    DS2 is heading offshore today for 4 weeks. DD2s first day back after lambing went ok.
    L

    Total 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 #124
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,712 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    There's a lot going on, no wonder you feel a bit unsettled. Well done for trying to adopt a positive attitude 🥂

    You'll feel better when you know what's going on with work I'm sure, it's hard to look ahead when you know it isn't an accurate forecast. And if NN doesn't get permission we'll all be raising a glass with you!

  • lucielle
    lucielle Posts: 11,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    OH has confirmed that NN is back up and staying in his holiday home. I’ll just try and keep out of his way. Didn’t make enough mashed spud for all the cottage pies. I’ll finish them off tomorrow.
    L

    Total 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 #124
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Sorry you are feeling down. You are very good at self-managing. You have a lot going on and are doing well.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • beanielou
    beanielou Posts: 99,958 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Good news on CT.

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • lucielle
    lucielle Posts: 11,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Made mince and dumplings for tea. The dumplings were vile, rose beautifully but tasted rank. Checked the date on the suet and it expired in 2016! Added it to the shopping list.
    L

    Total 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 #124
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