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Onwards and the debt goes downwards!

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  • lucielle
    lucielle Posts: 11,517 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 27 June 2021 at 3:14PM
    After work walkies . All to 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 #124
  • Parkyp
    Parkyp Posts: 883 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Pictures are great, nature makes me feel so calm. 
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,811 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    The bar looks fantastic!

    Fabulous pictures from your walk🙂.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • lucielle
    lucielle Posts: 11,517 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Better do a money up date.  Car has had a service and MOT which it passed but needed work doing on its all wheel drive system, which its had done.  Needs new brake pads and discs on the back which have been purchased just waiting for the chaps to have a slot to fit them.  Put on the credit card and all paid off this month.

    DD1 broke down in her car and was towed back to the workshop.  Not sure if its injectors or cylinder head.  Long story short new to her car bought and she's going to do the same as DD2.  We'll move the purchase onto a 0% card and she can make the monthly payments.

    2 more payments to go on family tax overpayment and enough in that account to meet them.  Won't feel debt free until all the girls cars are paid for as technically its in our name.

    Had a session with PT instructor, first in a while as all the car work has been done over the last 2 Fridays, as its quieter towards the end of the week.

    The last 2 lots of guests have left the holiday house in a state.  The first lot left the bedding covered in blood (not a lady accident) more like a dog with a cut paw leaping all over it.  Asked the holiday company to keep hold of their housekeeping deposit to see if it would come clean.  Luckily it did.  I was really annoyed as I've just spent over £1500 on getting new bedding and it came from Debenhams so no chance of getting anymore.  The second lot have just left it in a mess.  Why do people do that?

    Dogs have been and had their hair done and for a change had mine done (not at the groomers I hasten to add).  Bought a new clutch bag to go with my outfit ready for the royal wedding in August and also got a new top.  We are away this weekend all 6 of us together.  So to make this week easier OH and I went and did a mornings work today to try and keep up.
    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
  • Parkyp
    Parkyp Posts: 883 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    You do wonder what people’s houses must be like if they think it’s acceptable to leave a holiday let in a mess. Just plain rude. 
  • lucielle
    lucielle Posts: 11,517 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a nice surprise today, my old work wanted me back.  Its only taken them 2 years to miss me!!  Still a nice feeling to be wanted even after that time. 
    Supposed to have a late delivery today, allegedly arriving at 6.  Waited till half past then gave up.  Bet they were watching the footy.  Words will be had in the morning.  Trying to keep up with everything before we go away.  Not even gone yet but already dreading the carnage of Monday morning.
    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: 11,517 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cranky I do have a way of blocking them and its a very fine line to tread.  The last lot left a mess but without pictures its hard to imagine what it actually was like.

    I've decided to give up dog agility.  At the moment I'm struggling to get there due to work and in the winter when we're quieter the thought of going from one freezing shed to another really doesn't fill me with glee.  The dog trainer was in the shop today and I told her I wouldn't be back and why, she was understanding and wondered who else she'd find to have some banter with.  I said if she was desperate for some abuse (in a good way) she could text me.

    Had an appointment with the hoof doctor today, I need to go for another scan and see if its grown (personally I think its got married had babies and now got grandchildren!) then go back and see him again.  At least its making progress and I'm back in the system.

    Feeling quite woe is me at the moment and I really shouldn't be as I've got the weekend to look forwards to.  Trying desperately to get on top of things but really struggling with lack of deliveries.  Hardly anything in today and no sign of yesterdays delivery, put in an urgent order for a 10.30 delivery tomorrow morning but that's only with 1 company there's another 2 that have also gone AWOL.
    I need advice regarding my cleaner (I know I'm lucky but work 6 days sometimes 7 days a week and really can't be @rsed cleaning on my day off)  She's ok but dusts round things, seems oblivious to cobwebs and I'm not sure she stays for the full 2 hours.  I hate leaving notes but feel this might be the route to go down or find somebody else.  I'm not really houseproud but when I'm watching TV and see a line of dust under it I do wonder if shes worth 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: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Get someone else if you are unhappy on the cleaning front. 
    Not understanding the hoof doctor comments - but hope things sort soon.
    Hope you have a nice time away. The photos of your walk were lovely.
    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: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    My cleaner does the very basics.
    I do leave a note & have to spell things out.
    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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