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Onwards and the debt goes downwards!

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Comments

  • beanielou
    beanielou Posts: 99,958 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    As you say you have to wonder at the owners reasoning. 🤷‍♀️

    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.
  • in_need_of_direction
    in_need_of_direction Posts: 8,238 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    could you “rent” their facilities to provide evening meals?

    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.
  • lucielle
    lucielle Posts: 11,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I have thought of that but it would be a nightmare. Fridge/freezer space, invoicing for electric and gas, depreciation etc. I just don’t think it would work.
    Thanks for the vote of confidence

    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

    Sounds like new management might occur in a year or two!

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

    Finally the glowing orb has made it up here! Tomorrow it will be back to the usual dreich conditions. So for now we’re making the most of it. Unfortunately our cement mixer didn’t get the memo and refused to start. OH will strip it down but for now it’ll be mixing by hand.
    I’ve managed to paint one of the log stores which I’ve been desperate to do. The garden has been spot sprayed, I’m looking at you ragwort, docks and thistles.
    Did some fencing last night to try and stop the puppy from escaping under the fence. It remains to be seen if this has worked.
    Im keeping an eye on the tide as I want go and collect some more seaweed for my flower bed we’re trying to create.
    The council have refunded £900 for charging us for wastewater, we have a septic tank. I’ve put this into premium bonds. It’s not going to reside there for very long as we’ve agreed to buy DD2s car.
    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

    Big hooray for £900 refund!

    Why are you buying DD2's car?

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

    Annoying on the lack of shifts. As you say doesn't seem to make sense.

    Good luck with the cars. Hope your health and sleep improve soon.

    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 really struggling with hot flushes, especially at night. I’ve tried the patches but they didn’t make a difference. I’ve done a bit of research and I’m going to try red clover and sage supplements. I’ve restocked other supplements I take, tumeric, vitamin D and just started milk thistle.
    Hoping it brightens up a bit later then I can do the final seaweed run.
    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
  • teapot2
    teapot2 Posts: 3,802 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Hope the supplements help, I didn't get daytime flushes just night time ones which were grim in the hot weather.

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