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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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Well done on being a grown up!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 -
A grown up~~how scarey!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.4 -
Not sure how you’re all getting warm weather. It’s rained and I’ve been frozen all day 🥶
I haven’t succumbed to the heating but I suppose I should have. We did have a surplus of £500 now it’s down to £9 😳😳😳 scary 😱😱January spends - £587.585 -
Grown-up? - what's that?4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!3
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Good adulting thereAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Very impressed! I ordered a replacement office chair for my study last night. DH has been plonking himself on mine for a while (as in several months)for all his zoom meetings and it has taken to spontaneously expelling some gas and slowly sinking down. My new (to me, FBMP) desk is slightly higher than the old ikes table I have been using for years and my arms are not at 90 degrees when I type which is ergonomically rubbish. The desk has a small drawer under the knees and so can't really be any lower, so a new chair it is! also very grown up!Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here5 -
Getting images of your Dh expelling gas and shrinking like a balloon Suffolk Lass….hope you meant the chair and not him 😂😂😂January spends - £587.585
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milann said:Getting images of your Dh expelling gas and shrinking like a balloon Suffolk Lass….hope you meant the chair and not him 😂😂😂
Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here3 -
ROFL at the thought of it being SL's DH expelling gas and sinking down rather than the chair!
Thanks for all the approval on being a grown up - I try not to do it too often but like to prove I can exist as an adult occasionally!
The trip to Devon went well enough - we got lots done with MIL's garden, and also took her out to her favourite garden centre on Saturday as they had a plum tree that she had ordered put aside for her - we've paid for that for her too, budgeted from the presents account. Had tea & cake while there - absolutely delicious and glorious sitting out in the sunshine eating it to. A further bit of spendiness while there was a cute little coaster for my Mum that I knew she would appreciate, and a new pair of gardening gloves which I very much needed - my old ones are rubbish. These are lovely - very comfortable, a perfect fit and having used them for the work we did in the afternoon I can also say very protective. It was lovely as always to see lovely SIL & BIL too and it was lovely to see MIL so positive and enthusiastic about the garden by the time we left yesterday!
Other spendiness over the weekend involved feeding either us or the car - got bargainous diesel at the petrol station at Trago Mills on the way past as we headed back yesterday - 155.9 which is more than 10p a litre cheaper than we can get at home! Then stopped at Morrisons on the way past Wincanton to get the weekly grocery shop plus something to eat on the way home too - got a huge plastic tub of their rice and grain mix reduced to £1.50 (and the tub will be extremely useful - it's an ice-cream tub sized one), chinese leaf at 30p and a big bunch of coriander for 28p so the YS'd gods were strong with us for that visit! Oh and a pack of ham reduced to 50p but that got eaten on the way back stuffed into rolls! Not too bad at all at £23.26 although there will be a further spend to be made at some time through the week too I think.
This morning I have been very MSE - we've been eyeing up a nice "posh pub with rooms" to stay at for our single overnight stop on the way home from the Hebrides. Somewhere we have said before as we've driven past looks nice, but the £110 for the night price tag was putting us off slightly...anyway, on getting the email from T's this morning that they plan to devalue the clubcard still further by reducing the reward partners to 2 x we decided we may as well make use of some of our stock of CC vouchers by using them ahead of the change, so we have exchanged £25 worth of vouchers, got £75 credit to use at H0te1s dot com, and booked the place we wanted for that night with a cash spend of just £35 which is an absolute bargain IMO, especially as it includes breakfast. I'll get that transferred from the holiday pot once it's cleared through to the CC.
Ahh - we have news on the "moving house" front too - although nothing positive unfortunately. As predicted - and absolutely understandably - the owners of "One Careful Owner" have decided that with no progress on us selling ours, they aren't in a position to hold it off the market for us any longer - fair play to them, they've been patient for 2 months, but it is now back on, so our offer is withdrawn and we will wait and see if it's still available when we are in a position to make progress. It's disappointing but we have been expecting it, and it does now mean we can also explore whether perhaps a change of agents might work for us, so that is one we are going to investigate. Having had a further conversation with the existing ones on friday I really don't feel that they are on the same page as us at all - they are all about pricing with a low end Guide Price and then pushing people to pay more once they are interested - whereas my view is that all that will do is invite offers below that lower end as people will see the "starting point" as the asking price. while we're keen to get it sold, we're not keen to find ourselves in a position where we are ending up selling at a long way under what we're being told it's value is, and nor are we fans of getting people interested with one price just to subsequently tell them that actually we're looking for substantially more than that - that's not nice!
So there you go - that's about all our news right now I think - banks have been checked and all OK, and I've had a few more bits from Prolific over the weekend including a lovely quick £4 one which was handy - and has already been paid! I should certainly be able to cash out over £15 there at the end of the month, and I'm hoping to push that to £20+ if possible. This week's focus will be back on Ipsos I think - let's see how I can do there!🎉 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/her14 -
Not great news on the house but as you say not completely unexpected.
Hopefully you get some interest in yours soon and you can reoffer on the house.3
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