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Onwards and the debt goes downwards!

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  • lucielle
    lucielle Posts: 11,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 March 2021 at 8:21PM
    Got a text to say I needed to book my covid jab, just managed to get it booked, every time I got somewhere one of the appointments wasn't available.  Lovely Mothers Day, they cooked Sunday lunch and I haven't had to lift a finger all day.  Did go to Homebase in an attempt to look at bathrooms but you have to make an appointment online.  So made a virtual appointment for Wednesday not sure how that'll go but we'll give it a whirl.  Got a quote in for painting the house and garage 3K!!!!  Glad I was sitting down when I opened that email.  I think we'll do it ourselves when we eventually get up there.  Been looking at bathrooms online and I've got an idea of what I like and don't like.  Just need to figure out where everything is going to go.

    Booked a weekend away in July for all of us to go to Keswick.  DD1s boyfriend is going to dog sit as its just family going.  Need to book evening meals but currently not getting anywhere with that
    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: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a lovely rest. Great to have vaccine appointment too
    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: 11,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Quieter weekend parcel wise only 177 today.  Managed to get it all done, just a few items needed to be ordered in.  Booked a virtual appointment for a bathroom design, that's happening on Wednesday.
    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: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Only 177!! Well done  :)
    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: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    177!! 
    Enjoy your bathroom design
    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: 11,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not the greatest of starts to the day.  The boiler has been losing pressure (land agent told regularly something wrong) water was cold last night, so OH went out this morning to re-pressurise it, wouldn't hold the pressure.  Checks the oil, we're out of oil.  Only filled the tank in January, bearing in mind the last time it was filled was March 2020.  Means we have a leak.  Really annoyed the land agent has done nothing, also told him about the 2 radiators leaking and 1 not working again since January 2020.  They wouldn't put up with conditions like 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 #124
  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is really not on.
    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
    Oh that's a nuisance if your leaking the oil, hope its gets sorted quickly for you without too much hassle :smile:
  • lucielle
    lucielle Posts: 11,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    New oil tank installed only 1000L old one was 1200, so lost 200l there and they've only partially filled the new tank.  Apparently the plumbers told the agent the tank was knackered when they put the new boiler in.  Really not impressed, they just won't spend any money until its too late.  Really feel like filling the tank up and then knocking the amount off the rent.

    Foodwise I've been awful this week and virtually no exercise bike being done.  I think I need to get this week done then start afresh.  I'll still weigh in tomorrow but I don't think its going to be pretty.  I've got my covid jab tomorrow, just wish OH had his appointment through but it looks like things are grinding to a halt on the jabbing front.
    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: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about your lost oil. That sounds really expensive. 
    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
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