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Onwards and the debt goes downwards!

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  • I hope you recover quickly
    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 29/7/25
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My foot is virtually painfree, which is wonderful.  Still not sleeping great but it is what it is.  Car has had a new radiator, all done under warranty so only cost was some new wiper blades and £10 on courtesy car for insurance.  Courtesy car was very nice with so many gadgets I couldn't work.  It seems to have been a week of cars, DS2s car in for work and then collecting it again.  He's not very happy at his work at the moment, some bullying going on.  Another payment to the family tax overpayment so down to 10 months.  I did get a valuation on my car but they weren't very favourable so declined to go any further.

    Cooking Sunday lunch though it'll be more like late lunch early tea.  Best go check the roasties
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your foot has improved and your car is sorted. Hope you sleep better and that DS' workplace improves
    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 29/7/25
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I loathe bullying 😡 
    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.
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DS2 seems to be a bit happier but he's been out to sites quite a bit so away from the toxic atmosphere.  DD1 is back to 12 hour days bit worried about her as she isn't eating very well and doing a very physical job.  Managed to get to the wholesalers on Friday and got a couple of bulk buy items.  Spent 4 hours on a spreadsheet that just wasn't right.  Did manage to solve the problem but took ages.  Went to a different town yesterday and walked the walls, DS2 came with us which was nice.  Did have lunch out and have to say it was one of the worst meals the chaps had ever!  Luckily mine had to be cooked fresh  so wasn't pinged into annihilation.  Won't be going there again.  Trying to save up for the new beds and drawers but things keep cropping up like they do.  Need to get more dog wormer ordered today and then whats left in the account can go towards the furniture.
    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: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Poor DS1 had a horrible weekend, his top dog broke her leg whilst working with sheep.  The vet said it would be repairable but she'd need 4 months off but not sure how well she would be able to work.  He took the horrible decision to put her down as he knew she wouldn't cope being in the kennel that length of time.  Her nickname was The Beaver as she'd chew her way through anything.  R.I.P Mia x
    Managed to take my pack out on Sunday.  Honestly some people and their dogs!  Tip doesn't like other dogs after being in a fight when she was young her line of defence is to attack so if another dog approaches or anywhere near she goes on a lead and gets told off for aggressive behaviour.  This couple came along with their spaniels and they were in Tips face and she was just about hanging on not trying to kill them.  I was fending them off and pushing them away and the owners never called them off.  We all escaped unscathed, it was nice to get out.
    Took Izzy to dog agility last night first time since lockdown and having puppies.  She did really well.  Had my first ever flu jab at the weekend, chap at work was telling me horror stories from when he used to have to have one.  Touch wood feel ok.  Its my payday this week, something to look forwards to
    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
  • bd80s
    bd80s Posts: 368 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Aww sorry to hear about your sons dog, its always a horrible decision to make but you do have to do whats best for the animal. 
    Nice that you had a good time out with yours, albeit it could have been better if other dog owners paid attention and had some consideration for others!
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to read the news of your DS’s dog. 
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about DS's dog
    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 29/7/25
  • Sorry to read about your DS’s dog. 
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
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