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Onwards and the debt goes downwards!

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Comments

  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds expensive. I feel your pain
    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: 11,520 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ok the good news, bathroom looks really good and should be finished tonight. Chap had problems with his plumber but sorted it. Guests arrive tomorrow, so not cutting it fine. Possibly going up on Tuesday back on Saturday. 

    Now for the SH!te news. Came home to a section 21 notice. Need to be out by 15 May. Nothing to rent or buy in our price bracket. 
    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: 95,751 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So so sorry to this.
    Boo.bah.Bumble bee.

    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.
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,811 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Sorry to read about the Section 21. 
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000     EF £140. Savings 2 £30.00. 17
  • peb
    peb Posts: 1,969 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Oh no, that is sh*the news.  I've been helping a friend look and there's so little out there full stop.  She got somewhere by offering six months rent up front and I felt guilty for suggesting it but I want her out if my spare room!  How families cope I really don't know.  Sending all the good vibes I can
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry, Lucielle. When you've been through so much with that house and stuck by it as well. Will this affect your business as well as your home? I'm assuming there is no way to bring your move to Skye forward... 
    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: 11,520 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Currently on puppy watch, hence the time of posting, 2 so far.  No the business should be ok.  Meeting today with accountant to discuss options.  Shattered as I was up at 3.30 yesterday to go to deliver some items to an auction that's re-opened that we use.
    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
  • Blackcats
    Blackcats Posts: 3,915 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    So sorry to read about your house.  
    I hope the puppies have all arrived safely

  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the business is okay. Ouch to the late night - although I only went to bed at 1 as I was working on a form!! Hope your accountant has good news.
    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: 11,520 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    6 puppies and they’re all ok. At the moment we’re planning on staying and seeing if it’ll go to court. We’re actively looking for a property so we’ll see what happens. 
    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
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