📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Onwards and the debt goes downwards!

16566687071276

Comments

  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes it does but to be honest we have one at home so I'm not too bothered about 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
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Currently falling out with sky at the moment.  Decided to get Disney+ can I get it to play, nope.  Phoned Sky they said phone Disney, phoned Disney and they said phone Sky.  Can't get hold of anybody at Sky as they're all training.  If I can't get it sorted today I'll cancel it.  Been quite productive whilst on hold to be told they were all training.  Sorted out a solicitors appointment to do our wills, ordered some flowers for my sister in law as she's been a bit fed up, re-ordered some coffee pods and got 3 loads of washing on the line.  Got some pork in the slow cooker for tea and emptied the dishwasher.

    Having problems with our deliveries again.  3 companies have sent messages to say that deliveries are going to be more miss than hit.  TNT/Fedex have had major issues and aren't currently taking in any more parcels from suppliers until further notice.  Not great for our online businesses!
    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: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear you are affected by the delivery issues

    Well done on all the life admin. Can only control what's in our circle of influence
    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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Parcel delivery is very sporadic, ended up with a huge delivery on Friday just as I was going to training.  Still very hit and miss this week.

    Architect has finally been in touch and we are going for a 'soft' search first to see how the land lies and what they'll require for full planning.

    Managed to sort Sky and Disney+ out but needed and engineer to call last Friday, all done and got a mini Sky box in our bedroom.  Dishwasher engineer been out today and sorted it out as well.

    DD2 is finally out and about in the Falklands, texting me last night forgetting they're 5 hours behind until I pointed out it was midnight and I needed to go to sleep.

    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: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got life admin sorted. Even better to hear from your DD even if she timed it wrong. Exciting on the Skye front
    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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Got a zoom meeting tomorrow with the architect, never done one of those.  Also did a job at the weekend that hadn't even made it onto the list let alone the top of it.  I defrosted and sorted the chest freezer.  Didn't find too many UFOs (unidentified frozen objects)  I was hoping I still had a turkey lurking in there but it wasn't to be.
    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: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry there was no turkey. I am on freezer meals this week. Had lasagne today and defrosted and binned some of DS' failed smoothie attempts. He moved out and left them  :lol:
    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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Zoom meeting went ok, except I couldn't get the sound to work so we had the chap on speaker phone.  He's come up with another scenario which we're mulling over.  Next to the house is a double garage which we always thought we'd convert to a 1 bedroom annexe however that would cost lots of £££.  Currently its a home for unloved items.  He suggested making that the toilet and shower block.  Why didn't we think of that??  So if we used half of it and in an ideal world, each pod has its own shower, toilet and basin with an area to dry yourself and hang clothes that would be great.

    I'm really shattered today.  Not sure if its because its gone a bit quieter and I'm not running at full speed or the darker nights creeping in but I feel worn out.  It also feels like a Friday which is going to be disappointing tomorrow.
    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: 95,712 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also worn 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.
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I feel your pain Beanie, I'm off to bed
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.