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Onwards and the debt goes downwards!
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Good luck with Pilates. Try it at least 20 times before reviewing if it's right for you. You will improve but it takes time.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 29/7/252 -
Well that didn’t go well. Went to be assessed for the class and did some stretches etc, only to be told that she’s currently doing an intermediate class and we couldn’t be in it. I completely understand but why have us over? Anyway she might be starting a beginner class in April and will keep our names on file. Who knew trying to find a yoga/Pilates class would be so difficult.I’m good news old dog has got excellent blood pressure and has had her new monthly jab. Vet recommended physio over hydro as they’d give me exercises to do at home, so waiting for a referral to take her thereGym session has got moved this week from Friday the Thursday, I’ve got to be there for 8 in the morning urgh!
Was supposed to be having the much yearned for Chinese tonight but somehow it got lost in translation that DS1 was going to get it. They’ve gone to get an Indian which is nearer ( still not the ruddy Chinese I want and crave!)
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 -
Never heard of that lucille.
Good news on the dog
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 -
Great news on the doggie front - it's always good to know they're doing OK for their age isn't it!
Hoping you get your chinese soon!
That is annoying about the Pilates thing. If you've decided to dedicate some time to it anyway then how about trying some yoga off YouTube in the meantime? I'd highly recommend Yoga with Adriene - and she has a cute dog too! I struggled with her stuff first time I tried it but then tried a later series (it was the 30 Day Challenge called "Breath") and found that far easier to follow as a relative beginner.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
I'll look into online but I'm a lazy creature and without nagging will probably not maintain it. Which was the reason going with a friend was a good idea.
Went to the pub quiz last night. DS2 and his GF were supposed to come but never turned up. We didn't do any worse than last time and came second bottom again! Next ones in a fortnight, I might ask my friend to come, see nearer the time.
Meeting DD1 in town today and going to the travel agents. Hoping to book 10 days away in October for all 6 of us, current thinking is Rhodes but open to ideas.
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 -
Booked a holiday!!! First time all 6 of us will be abroad together, going for 10 days in October. Just need the chaps to pay for there’s. OH had a bit of a scare today. He was unloading a digger off the trailer. The pickup was in park and handbrake on, as he came down the trailer the pickup started rolling towards the road. Luckily it jackknifed. Then A wagon came to unload a pallet and as it went past our shop it’s caught the new drainpipes we’ve just put up. They say it comes in threes I hope it’s not too drastic!
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 -
Woo hoo 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 -
Great news on the holiday.
Hope the pipes are insured.
Sorry about Pilates. Hope you find somewhere else similarAchieve 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 -
Drum roll….. forgot to mention I managed to have Chinese last night.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 -
Hurrah for the Chinese, finally! Bad news about the drainpipes, hope the damage isn’t too bad, and thank goodness all ended well for OH too!The holiday is definitely something to look forward to isn’t it!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2
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