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  • FIRST POST
    • lucielle
    • By lucielle 24th Feb 18, 5:59 PM
    • 7,994Posts
    • 34,199Thanks
    lucielle
    Onwards and the debt goes downwards!
    • #1
    • 24th Feb 18, 5:59 PM
    Onwards and the debt goes downwards! 24th Feb 18 at 5:59 PM
    Hi All Old diary is here http://forums.moneysavingexpert.com/showthread.php?t=1000559 I can't do the posh linky things.


    Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store. DD1 starts her daytime lambing job before progressing onto lambing job number 2 which is nights. DS2 is still doing his apprenticeship and just bought a new to him car. DD2 is just coming to the end of her lambing job and is then back to college.


    Our debt has crept up again, mainly through helping kids with their insurance, which they will pay back. Currently its at 14k, not great but doable. It hasn't helped that I needed new glasses and DS1 took his washing machine back so had to purchase a new one.


    I have also just finished at my job of 9 years and aim to work with OH and develop our business further. Watch this space.
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
Page 1
    • beanielou
    • By beanielou 24th Feb 18, 6:25 PM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    • #2
    • 24th Feb 18, 6:25 PM
    • #2
    • 24th Feb 18, 6:25 PM
    Great to see you have a shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Knit Witch
    • By Knit Witch 24th Feb 18, 7:22 PM
    • 3,429 Posts
    • 31,296 Thanks
    Knit Witch
    • #3
    • 24th Feb 18, 7:22 PM
    • #3
    • 24th Feb 18, 7:22 PM
    Oooh shiny new diary - happy debt busting!
    V3ry - 389.60
    • savingholmes
    • By savingholmes 24th Feb 18, 9:14 PM
    • 8,955 Posts
    • 17,004 Thanks
    savingholmes
    • #4
    • 24th Feb 18, 9:14 PM
    • #4
    • 24th Feb 18, 9:14 PM
    HI Lucielle - I used to subscribed to your diary. I am back on the boards after a break - but with far higher debt. Will be watching your journey with interest. My DS is about to go for a study abroad year to Australia with all the financial challenge that brings with it.

    Hope your business is going well.
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • lucielle
    • By lucielle 24th Feb 18, 9:44 PM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    • #5
    • 24th Feb 18, 9:44 PM
    • #5
    • 24th Feb 18, 9:44 PM
    Hello SH, it's been a while how are you? Have you got a diary?
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • brizzledfw
    • By brizzledfw 25th Feb 18, 9:13 AM
    • 7,275 Posts
    • 35,701 Thanks
    brizzledfw
    • #6
    • 25th Feb 18, 9:13 AM
    • #6
    • 25th Feb 18, 9:13 AM
    Hi L....good news that the kids are all so gainfully occupied...lots of interest in farming I see which is great. Debt is a pain after all your hard work but youve kicked it once and you can do it again.

    Have subscribed..keep posting

    Have a great Sunday

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 25/500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 25th Feb 18, 11:36 AM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    • #7
    • 25th Feb 18, 11:36 AM
    • #7
    • 25th Feb 18, 11:36 AM
    Have a good day
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • lucielle
    • By lucielle 25th Feb 18, 3:41 PM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    • #8
    • 25th Feb 18, 3:41 PM
    • #8
    • 25th Feb 18, 3:41 PM
    Also to add to our woes, last year our beloved pick-up needed replacing, poor Morris Mazda had to go as he was getting uneconomical to repair he had clocked up an impressive 155k but had a tough life.


    OH decided he didn't want another pick-up but did need something capable of pulling a very large trailer (one that can take 4 ride-on lawn mowers and a couple of pedestrians). We stumbled across the Mercedes ML320. Our farmer next door has one which he tows his cattle trailer with. A quick trip up to Edinburgh saw us procure this fine vehicle. It needed a towbar on which we had fitted by an expert and all was well with the world. OH loved it, we all loved it. Anyway last week OH thought it was making a bit of noise and the trailer needed a service. Whilst moving DS1 the trailer was put onto his pick-up at which OH discovered the towbar was coming off. Not to worry probably a bolt had sheared off.


    Fast forward to Monday. Not only had the bolt sheared off it looks like the chassis is heading in the same direction! No chance of fitting the towbar somewhere else or welding it as it wouldn't hold. After a bit of wailing and head scratching we have made the decision to sell it. Its fine to drive just not pull a trailer.


    OH is buying DS1s Discovery off him as he's got a works vehicle and is going to trundle round in that. This tank has got more lights on the dash than Blackpool illuminations, so that's going to be a work in progress. When we ever retire we can look at getting a merc again.


    Just been and got the number plate made up for the trailer, had my eyebrows threaded as they were getting a life of their own and OH and DS2 got their hair cut.


    Spent last night getting train tickets for London at the end of April 74 return (shhh first class both ways, yippee)
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • mfmaybe
    • By mfmaybe 25th Feb 18, 7:17 PM
    • 1,106 Posts
    • 3,532 Thanks
    mfmaybe
    • #9
    • 25th Feb 18, 7:17 PM
    • #9
    • 25th Feb 18, 7:17 PM
    Subscribing to your new diary Good luck with the new debt and the big changes.

    I have a Disco 2 with a disco dashboard. I just ignore
    BTL Overpayments since 20/4 5.90

    AFD May 12/15 NSD May 10/10

    Other debts paid since 1/1/14: 17,005
    • lucielle
    • By lucielle 26th Feb 18, 4:59 PM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    Just managed to make a small saving so sitting in the smug zone. I had cover fro 3 of my appliances which was 23.99 per month. I have revised the plan and it now comes in at 15 per month. Only a small saving but it all helps
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • lucielle
    • By lucielle 27th Feb 18, 11:05 AM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    Lots of snow. Really glad I'm not at work. Instead I'm on a cleaning mission and currently attacking best press on and not get side tracked on here!
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 27th Feb 18, 7:34 PM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    Lots of snow here too.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • lucielle
    • By lucielle 28th Feb 18, 6:20 PM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    Loads more of the white stuff here. OH had to go and rescue DD1 as she broke down last night. Apparently on the way home he did 2 pirouettes in the discovery and then just nonchantly (sp) carried on driving. Luckily I wasn't with him otherwise I'dve still been shrieking yet.


    OH took DD1 to work but needed pulling out he decided to stay closed today. DS2 tried to get to work but came home, been a funny old day.


    The cooker has stopped working, well the plug the cooker is wired into has stopped working. Luckily we have plenty of beans and bog roll
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 28th Feb 18, 6:48 PM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    Lots of white stuff here too.
    Eeek to the cooker.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • lucielle
    • By lucielle 1st Mar 18, 3:04 PM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    Still more white stuff and it has been reported that up the road from where we are there's an 8ft snow drift so we are staying put. In good news OH has managed to get the cooker going on a temporary fix = no more beans!


    I've just had a quick tot up of the debt and as of today it stands at 11859.74 I've got 6574.74 which is interest bearing so need to try and move that. OH has got an empty Santander card so need to see if there are any offers on it. Slightly better than I thought but not ideal.


    Been listing stuff on ebay but OH has got sidetracked by a film. He'll be back later.
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • lucielle
    • By lucielle 4th Mar 18, 6:31 PM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    Did finally break out on Friday, got all the neighbours shopping and had a sneaky lunch in a local caf!. Went to the town to do the shopping and caught up with some jobs that wouldn't normally have got done, like getting some keys cut. Again had another lunch out and I wonder why we have money problems!


    DD1 was supposed to be coming home on Monday night but the farmer has asked her to stay on a bit longer. This is good news and gives us time to have a look at her car and see if its going to be economical to repair.


    Had another 2 bookings for the cottage, which is great and brings the total to 20 weeks so far for this year.


    OH has been in a vile mood today. We brought loads of stuff home from the shelves of doom at the shop that needs pricing and hopefully listing. We have 4 boxes of stuff, so its not going to be a quick job. However he got side tracked listing some other things and then had a strop when the laptop started playing up. Apparently this was my fault! Needless to say I'm keeping a low profile.
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 4th Mar 18, 7:40 PM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    Great news on the cottage bookings.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • savingholmes
    • By savingholmes 4th Mar 18, 9:14 PM
    • 8,955 Posts
    • 17,004 Thanks
    savingholmes
    Hello SH, it's been a while how are you? Have you got a diary?
    L
    Originally posted by lucielle
    Yes - Prosperous soul in the making

    We are doing okay other than repeating past mistakes with money.... Thank God we have decent jobs - to be fair 60% of our current debt is our cars so we could sell them if need be. We can meet all our payments (and slightly more on top). Our challenge right now is finding 400 a month for DS at uni!!!
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • savingholmes
    • By savingholmes 4th Mar 18, 9:18 PM
    • 8,955 Posts
    • 17,004 Thanks
    savingholmes
    Hi Lucielle - kind of jealous of that amount of snow although I bet we'd soon get fed up of it if we actually had it. As it was we cancelled a few things this week due to the weather.

    You will get on top of this debt - you are very disciplined when you are on task so I'm sure you will soon kick it to the kerb. Good luck with the business too.
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • lucielle
    • By lucielle 5th Mar 18, 12:33 PM
    • 7,994 Posts
    • 34,199 Thanks
    lucielle
    Poor DD1 has caught the lurgy from the farmers kids, he's got it too. She went out last night and said everytime she bent over thought she was going to pass out. She's coming home tonight but back to work tomorrow. I think they'll try and get through the day as best they can.
    I'm hoping we don't catch it from her, she still hasn't stopped being sick yet.
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
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