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Onwards and the debt goes downwards!
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Hope all is well in your world L!🎉 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/her1 -
Hi @lucielle
Thinking of you. Appreciate things might be difficult with you looking for a new home etc. Hope you are okay.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 -
Missing your posts lucille.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 -
Thanks all. All I can say is that this has been horrific and not something I want to EVER repeat!! A week tomorrow we have to be out of here. We asked the landlords for an extension, they said no. We applied to the homeless unit, best result a single room in a hostel with no dogs.The tables have turned and we and DS2 are moving in with DD1 and her BF. DD2 is moving in with DS1. My friends are kindly storing our furniture. There is a plan B and it’s in place but I don’t want to jeopardise it by saying too much. Today I told my sister, I’d been dreading doing it as she can be quite judgemental. Actually she was very nice.In other news all the puppies are sold. Currently we have 2 left, one goes next Saturday and the other one will go on the 24th. It’s not ideal as there will be 5 dogs at DD1. My old collie hates the puppies so that’s a work in progress. She’s been back at the vets and booked in to be spayed and a look at her bladder as a scan showed there was something in there. The estimate has come in at £700. Luckily the puppy money will cover this. The puppies mum is also booked in to be spayed.Tomorrow we have quite a few people around so hope to make inroads on moving things. I’m not entirely comfortable moving in with DD1 and BF as their relationship is still in it’s early days. A friend did offer a temporary stop gap of their house but wanted 900 per month which we just can’t do. Well that was a bit of a brain dump. Thanks for asking after me it’s nice to see posts.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 #1244 -
Aww it sounds tough 😢Sealed pot challenge 822
Jan - £176.66 :j3 -
Blooming heck that does sound just horrific
Hope it all works out for you.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 -
Sounds really tough. Glad you are back postingAchieve 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 -
OH gosh sounds awful for you, sending hugs and keep posting. We are all here for you xx3
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Oh heck lovely that sounds horrendous - I’m so sorry your landlord is behaving that way. I hope somewhere that suits all your needs comes up soon as I can definitely see your hesitations about moving in with DD - feels like a lot of pressure on all sides I bet.Fingers crossed… 🤞🏼🎉 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 -
Sounds awful. Fingers crossed for you that your plan b works out.3
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