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Onwards and the debt goes downwards!

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Comments

  • lucielle
    lucielle Posts: 11,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    IMG_9002.jpeg

    Stunning day

    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
  • lucielle
    lucielle Posts: 11,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    IMG_9026.jpeg IMG_9028.jpeg

    sunset

    IMG_9031.jpeg

    moon rise

    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
  • beanielou
    beanielou Posts: 99,514 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Lovely photo’s.

    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.
  • ArtyJ931
    ArtyJ931 Posts: 184 Forumite
    100 Posts Photogenic Name Dropper

    Seeing those wonderful photos was a lovely way to start the day- thank you ☺️

    DFW info LBM: March 26

    Total 03/26 69,481

    "You put one foot in front of the other and one day you look back and see that you have climbed a mountain" Ready for the climb.💪

  • EssexHebridean
    EssexHebridean Posts: 25,935 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Ahh L those pics are amazing! 😍

    🎉 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 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • dawnybabes
    dawnybabes Posts: 3,633 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    beautiful pictures, did you catch anything with the rod ?

    Sealed pot challenge 822

    Jan - £176.66 :j
  • lucielle
    lucielle Posts: 11,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 30 April at 12:24PM

    @dawnybabes yes 4 pollack but only kept one. Too early for mackerel but won’t be long.
    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
  • lucielle
    lucielle Posts: 11,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 30 April at 12:23PM

    Spent the morning brushing 2 of the mutts. We tried to make a resin covered picnic table but it hadn’t worked. The resin hasn’t set properly. Anyway one of the girls likes to lie on the table a bit like a princess ( also out the way of the puppy). So she laid on the not set resin but. Her backside was a mess of tangled hair. I had to take the scissors to it, so she looks ridiculous. She’s at the vets for the stupid pet check and the puppy’s there for her next lot of jabs. Told OH not to give her breakfast as she’ll probably be sick and I’ll give her some when we get back.
    Managed to bag a Morrisons slot for Monday. Car is also in for MOT, OH will drop it off and grab a lift with his work wife.
    Daughters and adopted daughter arriving late Tuesday probably more like very early Wednesday morning.
    Off to Skye live on Thursday night and meeting some of OHs younger work mates at the venue.
    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: 29,178 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Glad you got to meet your new GD.

    Those photos were amazing. Just spoke of peace and beauty. Amazing.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • lucielle
    lucielle Posts: 11,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Just Tuesday to work this week. Got a Morrisons order to collect tonight. OH has dropped the car off for its MOT and will collect it on his way home, which unfortunately doesn’t tie in with the food collection. I’ll need to grab a birthday card for DD2s birthday on Wednesday and she’ll be here.
    Burnt 2 fingers at work last night, enough to bring a tear to my glass eye, certainly a few sweary words bandied about!! Did 28 covers so that wasn’t too shabby, just me in the kitchen but had a KP to do the pots.
    OH was really helpful yesterday morning, used the quad and borrowed naught next door neighbours trailer to move her horse poo onto the flower bed we are making. We ran out of the good stuff so had to stop plus I was going to work. The plan is on Sunday to take daisy digger up to the muck pile and get the good stuff onto the trailer and get it finished. Then put the back boards in, weed suppressant matting down and I can start planting.

    Today I need to apply moss killer and spot spray the ragwort that’s starting to appear. Need the grass to dry and it’s supposed to rain this afternoon so need to keep an eye out for the window of opportunity. If it dries quickly I need to paint the empty log box. Also need to bake a hedgehog cake for DD2s birthday and a Victoria sponge for the surprise baby shower on Friday.
    Im struggling with my feet and arm. I’m considering getting a steroid injection for my arm. Not really sure what to about my feet. I already have orthotics for my shoes and purchased the shoes they recommended to help my gait. My feet aren’t too bad when I’m wearing the shoes it’s when I take them off. The left foot feels like it’s on fire and I can’t bear the weight of the duvet on it. The right one is starting to ache more than it did so whether I’ve subconsciously changed the way I move and that’s a consequence of that I’m not sure. So between the tag team of arm and feet my sleep hasn’t been great. Ideally I’d like an mri scan on my feet just to know what is going on, the chances of that are slim.
    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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