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Onwards and the debt goes downwards!

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  • The holiday sounds exciting...something to look forward to.
    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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It is indeed. Also give me time to shift some flab sso I can wear some nice things. Worked till 1 as OH wanted to watch the rugby. 

    I was on a mission to tidy the office, now DD1s BF has moved out it needed a good bottoming.  Got loads of stuff hanging around. Most of it is what we’ve salvaged from the bar and needs to be stored. Plus I’ve moved DD1 out as well, stuff she conveniently forgot to move back in after her ceiling came down. Went through all my books and got rid of quite a few. Now I’ve a kindle I don’t really do books. Then the sideboard got sorted and the office desk can now be seen. I still need to do the filing cabinet, might do that tomorrow and then I can wash the carpet. 

    DD1 came home and supervised me going through my drawers and wardrobe. Still need to do the bedside cabinet. 

    I have a new cleaner starting on Friday so feel I need to shift some clutter. OH is on board as well and has sorted his cupboard. 
    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: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Always good to shift some clutter.
    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.
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Woohoo on the Chinese, the decluttering and most of all the cleaner. Pleased for you
    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
    We have decluttered all morning and done it together, which was nice. Found loads of embarrassing photos of the chaps which I took great delight in taking a picture and sending it to them on messenger. My sister also got some fired in her direction. As she’s coming up for 60, these will be used against her!  
    Treated ourselves to a takeaway Sunday lunch from a different pub. It’s the same pub we went to do the quiz. New people in and they’re trying new things to try and get it to work, so it’s nice to support them. 
    Got a busy week ahead, accountant’s tomorrow, training and badminton on Tuesday, dig to get scanned on Wednesday, hairdresser Thursday and meet the new cleaning team on Friday. Somehow got to fit work in. I’ve done a meal plan for this week, first time for ages. A lot of them are slow cooker meals just to make life easier and they’re all recipes I haven’t made before. I’m a great one for getting a recipe but never actually making it.  So I sat down this week and went through them, hopefully do the same next week. 
    The gym I go to has put a shout out for yoga/Pilates do if it fits in with my current sessions I’ll try to go but not making an extra trip for 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
  • Great work on the decluttering and good  news about the cleaner! 

    Fingers crossed the gym sessions will be at a time to work for you! 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the Pilates works out... 

    Good luck with the never ending to do list. 
    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
    Sadly the Pilates isn’t going to fit in. I’ll keep looking. Managed to book a physio appointment for the old girl next Tuesday. Spoke to the plumber, it’s still on schedule whooop whooop!  Sadly didn’t win the euro millions, checked this 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: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We will be hearing the patter of tiny paws in March. 
    The new cleaning lady messaged me this morning to say she hadn’t realised how far it was and she wouldn’t be able to take me on. I was a bit fed up as I sent her my post code and told her how far away we are from the nearest village. DD1 got on the case and I had a meeting with a new company ( after flying round with the hoover like a woman possessed) and they start a week on Tuesday 

    my wood burning stove is on its last legs (actually I think it died tonight). The inside has all caved in and when I lit lit it, it started smoking out the top. I told the land agent in January via email that it was dangerous and a hazard. I haven’t heard anything. 

    Hairdresser tomorrow, need to be up and out soon then I can get some work done before I go. Hopefully DD1 will do some packing when she finishes at the egg farm and before she goes milking. 
    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: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You're not having much luck with things in the house Lucielle. Stay safe. Get a carbon monoxide detector too if you haven't already.
    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
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