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Onwards and the debt goes downwards!

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Comments

  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 March 2021 at 1:36AM
    That looks phenomenal. Is that for the Skye house?
    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
    Yes its for Skye.  Didn't get chance to do anymore buying yesterday.  Still waiting for a sales person to contact me re a cabinet I requested info on.
    Went to DS1s last night armed with a chinese takeaway.  Its his birthday on Saturday (my babys going to be 26!!!!  How did that happen?)  went last night because DD2 is away for 2 weeks night lambing and leaves today.  Managed to lose 1/4LB not great but considering last night I'll take it.

    Managed to get the Skye house painted for £1800 we provide the paint, which is up there.  Can't wait for it to be done.
    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
  • dawnybabes
    dawnybabes Posts: 3,373 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Love the radiator !
    Sealed pot challenge 822

    Jan - £176.66 :j
  • lucielle
    lucielle Posts: 11,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Absolutely shattered and heading for bed.  In work for 5.30 this morning and posted 270 parcels including what I got done on Saturday.

    Trying to keep the momentum going for the bathroom and bought these tonight
    https://www.clickbasin.co.uk//padova-glass-wall-mounted-washbasin-with-stainless-mount-and-tap-759.html?utm_source=google&utm_medium=organic&utm_campaign=surfaces&gclid=Cj0KCQjw9YWDBhDyARIsADt6sGYurFH2g8b_ZPX15Q_7WQJiUJg259eOAWYtkX9nclyn8IsnhjY6mDEaAojQEALw_wcB
    and
    https://www.bathroom-cabinet-world.co.uk/lana-demist-cabinet.html

    Waiting for some answers to some questions on the bath and loos.
    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: 11,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It wasn't until yesterday that I remembered today was a bank holiday.  Steady day at work and too manic.  Having a takeaway for tea so no need to cook.
    Sink and towel rail have been delivered.  Bath is arriving at the shop tomorrow and we'll bring it home on the trailer.  Still to arrive is the loo and bath taps.  we've decided to buy the shower, floor tiles, wet wall, lights and underfloor heating when we're up there.
    House is currently getting a coat of paint and is looking so much better.  Really glad we decided to get it done.

    4 more payments to go on the working family tax and then its paid off.
    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: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the tax credits.
    That will fly in.
    Bathroom taking shape & good news on the painting  :)
    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
    Bathroom items look absolutely fabulous. You are setting a beautifully high standard with those purchases. Definite wow factor.

    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
    Thanks SH.  The bath has been delivered as well.  Just talking to some people up north and they said as long as we inform the local police we're going up to do maintenance we should be ok to drop it off.  Trying to plan when we can get it up there as we're in our busy season at work.  Still waiting to have the loo delivered.

    OH is off for his jab today, going to a Nightingale centre, different from where I went.  Might nab a cheeky KFC on the way home
    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
    Hope DH is feeling okay after the jab. If you go up with the bathroom stuff you'll get to see the french doors 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
    He was pretty rough for a couple of days.  I went into work on Bank Holiday Monday to get some parcels away and I'm glad I did.  By the time the post was collected on Tuesday night we'd packed and posted 575 since it was collected on Thursday night.  Then we parcelled up another 95 to try and get on top of it.  Tuesday was a long day and I was glad to see my bed.

    The loo has been delivered so hoping to go up a week today.  I'm praying we can get it all in the pick-up then we don't have to take the trailer.  I'm useless at driving with the trailer on (it is 16 foot) so it would mean OH did all the driving.
    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
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