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*sigh* this is still taking a while, but moving forward (slowly!)
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Good luck with the car decision.
Congrats to DD that's phenomenal.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Cars are a nightmare! That’s brilliant regarding DD!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 -
Just delurking to say I follow yr diary. What apprenticeship is dd1 doing that she earns £33000? That’s amazing.1
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Was going to ask same 😂 my son doing a level 3 teaching assistant one and on minimum wage. He finishes soon and don’t know what doing next tbh1
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Great news all round - and what a turnaround in DD from where you were at a year ago - that's brilliant! Good for her though - I guess it was a bit of a steep learning curve into adult life when she got into the working environment!
Exciting about the movement on the sticky question of the cars too - that sounds far more positive. I confess I'm feeling quite guilty at the moment about my car situation - mine seems to rarely move these days and I do feel that probably I ought to get rid - but the issue is that when I DO want to go somewhere it makes that possible - travelling to airshows etc by public transport with a suitcase and a heavy camera bag really wouldn't be much fun, for example, and there are a good few you simply can't even really access without a car, so...Had a chat with MrEH about it and we've agree that it makes sense to take some of the mileage off his by me using mine for the commute on days when it's only me going in...that would actually suit me anyway as I much prefer driving mine!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Oooo… such a long time since last update! For those asking about DDs apprenticeship, it’s in accountancy 😁DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved1 -
Oh hello! Welcome back - how's it all going with 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Welcome back2
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Hello stranger!
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 -
Hey, what podcasts have you been listening to?The diary of a CEO
High Performance
Martin Lewis
The therapy crouch
Casefile
Those are a few of mine.LGGambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - September 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - (Cleared October 2025)
Barclaycard CC 0% £12,567 - £7500 - My final credit card!
19 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.1
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