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Onwards and the debt goes downwards!
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DD1 is clear on her test today, need BF to test clear for the weekend as he's supposed to be getting his keys for his house. I'm hoping when we come back (currently in Skye) that everything will be back to normal. He'll be moved out (not that he's been any bother) DD1s room will've been skimmed and she can move back in. Then need to deep clean the house as everywhere feels dusty.
I should've put an update in about the business on my waffely post. We part exchanged out pick-up for a newer one on Tuesday. The amount they offered for the old one was too good to turn down and we were thinking about ordering a new one which wouldn't have been available until November, by that time ours would've put another 25k in mileage on it. We crunched the numbers and decided it was a no brainer (hope the accountant thinks that as she's away and doesn't know). Purchased outright so no finance on it. I did have a couple of hours driving it but was cautious as it was icey on the way up.
Skye house ok, need to get a builder out to put some slates on. I've managed to speak to the stove chap and he's going to come and have a look and give us some options and prices. Also spoken to a joiner who's going to come and measure up for the wetwall, that's on Saturday. Was supposed to go on a walk today but its blowing a hoolie. OH nearly got taken out by the garage door because of the wind. Only got 2 dogs with us as the other is in season and will hopefully be going off to see a boy, DD1 is going to take her.
Whilst we're here OH and I are going to try and detox for a week. No carbs, sugar or dairy. Trying to drink 2L of water a day which is 5 glasses I've managed 2 and OH is just starting his 4th.
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 #1242 -
Glad you made it back to Skye. Well done on detoxing. Sounds a good start to the year. Glad DD's test if now clear. Good luck for the BF.
A new truck - bought with cash sounds good. You sound like you have lots on and are being really productive as ever.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 29/7/251 -
Todays walk was a breath of fresh air even though it decided to hail. OH not feeling to well I’m hoping it’s just detox
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 -
Gorgeous photos and scenery. Hope DH feels better soon.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 29/7/251 -
Todays walk to Coral beach started off damp but ended in sunshine
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 #1244 -
Wow! Absolutely stunning xx2
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Wow - you are certainly in a gorgeous part of the world. I really must start planning in some more trips out.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 29/7/251 -
When are you actually planning to move up?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.3 -
@beanielou as long as the planets Aline and the ‘children’ are sorted end of 2023
Today has been typical Skye weather, the only exciting thing about it was which direction it was coming from
Have got the quote through for the rest of the bathroom stuff an eye popping 3K as we’re doing this once have agreed to it. Still need to buy underfloor heating, lights and extractor fan. I’ll look into ordering these tomorrow. Not sure how much the fitting will be.Tomorrow looks to be much the same as today weather wise. We need to knuckle down and do some work.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 #1242 -
What beautiful uplifting scenery! The water looks so clear...almost inviting though must be very cold at this time of year!paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172
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