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Onwards and the debt goes downwards!
Comments
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Yes, good to have the what will happen conversation.
My will has been updated & DS has POA if needed.
I do not which to be resusitated or kept going in any way. My worst fear.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.2 -
Always tough discussions to have but for the best. Skye is beautiful do you get much chance to go to it?
1000 calories is crazy low. I'm doing 16:8 at the moment which I'm finding is really helping me keep my calories down. So I only eat between 12 and 8 everyday. I do really miss my morning coffee though 🙈 considering allowing myself to have just one when first wake up*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
I have managed to resist a Costa, though it's so tempting! I'm in need of a round of applause people I have managed....wait for it.....TO CLEAN THE OVEN!!!!!! It was gross but is now all sparkly and shiny, for about 5 minutes.
@Sarahwithlove We try to go up in January and do all the boring stuff like sweep the chimney also scrub the ovens and give everywhere a deep clean before the guests arrive for the season. Then we try and go again in November but that's not happened. I've had new french doors fitted and from the photos they look lovely. Only time will tell when we can go again
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 -
👏👏👏👏👏👏👏👏👏👏👏2
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Hope you can get back to your happy place this year.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.2 -
Thanks Beanie, really need my Skye fix but there's nothing I can do about it.
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 -
Just catching up...MIA for months, so sorry. Love your updates and now we have a pup can sympathise with some of the trials and tribulations of dog owners !! Have a good month, glad you’re being able to get back on it and get some work actioned and stuff shifted
x2 -
Let's hope you get to go soon then. Do you ever just go for a holiday yourself? My housemate has family that live in skye and open a caravan site and the pictures from when she went were breathtaking.lucielle said:I have managed to resist a Costa, though it's so tempting! I'm in need of a round of applause people I have managed....wait for it.....TO CLEAN THE OVEN!!!!!! It was gross but is now all sparkly and shiny, for about 5 minutes.
@Sarahwithlove We try to go up in January and do all the boring stuff like sweep the chimney also scrub the ovens and give everywhere a deep clean before the guests arrive for the season. Then we try and go again in November but that's not happened. I've had new french doors fitted and from the photos they look lovely. Only time will tell when we can go again
L*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Well done on the oven cleaning. Hope you get to go to Skye soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Well done too on sorting out POA and your medical wishes - I still need to do that bit. Done the wills though.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250
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