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Onwards and the debt goes downwards!

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  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @brizzlegirl lovely to hear from you.  Yes dog ownership has its trials and tribulations.  This morning I got up and the old girl had buried herself underneath her cushions (she goes in a cage at night as her housetraining can't be trusted but considering she lived in a kennel for 9 years she's not doing bad) all I could see was the tip of her nose, which I gave a poke cos I thought she'd croaked.  She didn't even manage a wag of the tail, rude!  The other 2 are loose in the room with their own settee.  OH was complaining this morning to smelt of dog (not surprising considering there are 3 of them) I just smiled and thought when will you do something about it?
    @sarahwithlove we've been going to Skye for holidays for years and hope to live up there in the not too far distant future.  Had another booking last night, I just hope they get to go ahead.  Whereabouts is your housemates friends place?

    Also the whole idea about losing weight and getting fitter is when we do get up there full time we can do some of these amazing walks without thinking I'm going to die.  I'd really like to do open water swimming but not sure how to go about it.  OH hates swimming but hopefully he'd supervise.
    @savingholmes haven't done anything about the will but will do once things ie lockdown change.
    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: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oooh my friend is into open & cold water swimming.
    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: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh has she any tips Beanie?
    My body clock is playing up again and thinks 1am is a good time to wake up.  Not impressed.  I was convinced today was Tuesday so had a pleasant surprise when I found out it's Wednesday.  Achieved quite a bit and the time flew by.  I must confess that I did have a Costa and DD1 has been very grumpy with me because of it.
    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I used the c00p using an online discount code from here - they did it all online or over the phone. No need to wait for lockdown to end. 
    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 29/7/25
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @savingholmes wondered what you meant then realised its wills (I think).  Paid another £100 into ISA.  Late start today as next door neighbours fluorescent light has blown and as he doesn't drive I'm going to get him one, drop it off then go to work.  OH has taken the  dogs with him so I didn't have to worry about them jumping all over it.
    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: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh it was so sold yesterday.  I work in a tin shed with no insulation, it does now have double glazing.  I couldn't get warm not helped by the roller shutter at the back being open (it needed to be).  So all in felt a bit meh yesterday.

    Drum roll please, been on the scales and lost 5 3/4lbs!!!  Ecstatic doesn't describe it.  PT trainer has cancelled session as hes hurt his back.  Can't say I'm too bothered as its raining and would be outside, however still got to go and feed the cupboards.  DD2 is off today so she's coming to help me, I need to detach her from her bed! No mean feat.  Wish me luck I'm going in!
    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with grocery shopping. I'm getting all ours delivered - although DS had to go in town for 3 separate things today which I found rather scary (as in he could bring the virus home).

    Mega well done on the weightloss. So pleased for you.
    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 29/7/25
  • beanielou
    beanielou Posts: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That sounds cold.Brrrr.
    Great loss  :)
    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.
  • bd80s
    bd80s Posts: 368 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    awesome result with the weight loss! i'm very much up and down at the moment oops! 
    working in the chilly is not ideal but I bet you appreciate the nice warm house when you get in haha 
  • beanielou
    beanielou Posts: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a good week  :)
    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.
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