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Onwards and the debt goes downwards!
Comments
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it’ll be interesting to see what survives!!
back to showers!
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 #1243 -
That looks so good - really great work! Can you try a couple of trellis panels and see how they get on? You could always add more if they stand up to the conditions OK?
🎉 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 Calculatorshe/her1 -
looks lovely ☺️
DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!1 -
I forgot to say that DD1 has put her house on the market and had 2 viewings and 2 offers, both declined.
Had 2 mini brainwaves so far this week. 1 was at the weekend. As previously mentioned we’ve been looking at getting a garden room/ bar but struggling with price, location and planning. OH is 60 next year and we are having a party. Long term we have thought about putting a concrete pad down in front of the garage. Easier to keep clean when we are splitting logs and slightly more comfortable for OH when he’s working on cars instead on gravel. DS2 said it would make a good dance floor (already praying to the weather gods). Then my epiphany, why not temporarily make the garage into bar/party room. When the chaps were up we had a bbq in there (weather gods not listening that day). So a bit of help from Chatgbt and OH is on board!!So just taken delivery of the boards to surround the area and the wire mesh to reinforce it. Then brainwave number 2. Currently there are 2 dumpy bags of sand sitting on the area to be scraped and concreted. I asked the delivery driver if he could move them with his forklift. He was a bit dubious as the bags degrade over time. Anyway he has managed to get them out the way. It’ll save us having to hand bail it out and shift it ourselves.
Off to lie down as obviously surpassed myself!!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 #1245 -
Quick news update DD1 has accepted an offer. However she hasn’t got anywhere to move to.
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 #1245 -
Phoned the vets to see what the damage is and they still haven’t done the bill. I know it’s going to be expensive. It’s making my eyeballs itch h not knowing. She’s hopefully getting round to it this week.
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 -
Blimey. My vet doesn’t let you out of the door til the bill is paid.
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. 13 months left.2 -
I know! Not used to this
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 #1241 -
Eek, I wouldn’t like that unknown 🥴
DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!1 -
Loaded the pick up with rubbish to do a tip run and the ruddy thing wouldn’t start. It’s definitely going. Bit the bullet and bought some trellis which OH has put up.
Friday morning had a phone call from DS1 which is unusual. He was letting us know that one of the kiwi shearers was on his way and he’d offered him a bed for the night with us. Absolutely no problem and I love doing stuff like this. Then got a text message from him and he arrived about 4.30. I was out meeting a friend for coffee and cake but OH was at home. What a lovely young chap he was! OH took him fishing and I went to play badders.
Had a frantic call off neighbour, she’d fallen off her horse and needed help catching her. Luckily said horse was pelting back down the lane and OH caught her and calmed her down.
One of the dogs had a lump on her tail, on closer inspection it looked like a tick had become embedded in her skin and it had swollen up. OH gave it a squeeze and all the gunk came out. She was very good and let us do it. I need to bathe the youngest dogs feet as she keeps gnawing at them. That’s on my to do list for today. I’ve also got some Christmas cacti that need repotting.
Had another awful nights sleep. Seems to have been a theme this week.
Had a couple of friends for tea last night (they were delish! 😋) they’re doing a house up and stay in a caravan whilst they complete the work. Potentially I might be the housekeeper when it’s finished. It depends how long it’ll be before it’s done and my job situation then.
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
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