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Onwards and the debt goes downwards!
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Didn’t do the long walk today, just a short one. One of the mutts has decided to barf her breakfast back up, joyous!
DD1 has got the dreaded ‘Rona. We’re all clear so far. All plans up in the air
LTotal 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 #1241 -
Sorry to hear about DD1.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.2 -
Hope DD1 recovers soon. Is this the one abroad?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
Happy New YearAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
Todays walk, which was the one we were going to do the other day
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 #1241 -
Off to put some cool gel in my hoof to try and stop it from being sore
LTotal 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 #1241 -
Quick round up
finished paying wft in August
currently have £5400 on a 0% cc. This isn’t my debt but DDs for her car. As it is I’m overpaying it at the same time as she pays me back. Hoping to have it gone November 2022
Have £1400 in savings which I’m thinking about putting into premium bonds.Once I’ve cleared cc, contemplating helping DD1 pay off her student debt. Hate the kids having debt. Need to discuss with OH
I’d also like to save towards a different car, have £1000 in car pot so far
Skye house
Soft planning application submitted
Still need to get en-suite fitted
Contacted stove fitter 3 times still no response (sigh)
health
I did wonderfully (not) well on this front and have lost 2LB over the last 12 months. I’ve enjoyed going to the gym and seen it as maintenance but really have to get my eating sorted out. Currently enjoying going for walks with OH and the pooches. Losing weight will probably help with hoof
fun stuff
Booked a hotel for a night in May so we can go to the ladies day races
A trip to the local theatre to see a comedy act with the DDs
Another trip to a bigger theatre to see Chicago with DDs and a friend. This will be for all their birthdays (friend included)
Hopefully OH and I will manage a couple of nights away throughout the year
Currently DS1 has also got the dreaded‘Rona and his GF. He’s isolating at his house. OH and I are still ok and dropping off supplies tomorrow and retrieving my hoover which he nicked
DD1 is running a temperature and a bit headachey but otherwise ok. DD1s BF is going for a pcr test to check he’s good to go back to work. DS2 has managed to get his third jab as has DD2 in the Falklands. Looks like she’ll be heading home in March
LTotal 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 #1243 -
Happy new year, photos of your walk look fantastic!
Sorry to hear the kids are unwell, I hope they're feeling better soon.
Your fun things sound so amazing, definitely need to have these alongside the debt payments.
H x2 -
Both OH and I came back clear on the flow tests
bought some new drinking glasses for the Skye house, to take up with us
Did DS1s shopping and got the hoover back. My foot is a bit achey tonight. Not sure what the plans are for tomorrow
LTotal 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 #1241 -
Photos are lovely. Hope your wider family all recover quickly. Nice round up.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251
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