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  • FIRST POST
    • lucielle
    • By lucielle 24th Feb 18, 5:59 PM
    • 8,055Posts
    • 34,482Thanks
    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 3
    • lucielle
    • By lucielle 7th Jul 18, 8:54 AM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Flights are booked and insurance sorted for DD2. She leaves beginning of August and is now starting to get excited.


    This time next week shouldn't be far off Skye or way up north. We like to set off at 3am to beat the traffic. I've insured DD1 on my car to share the driving it wasn't too bad at 70 which equates to 10 per day.


    Mentioning cars brings me onto my next subject. I think I'm going to change mine and at the moment it looks like its going to cost 2.5K to swop. I'd go from a 2009 with 93k on the clock to a 2012 with 48K. I do a lot of mileage. However on the downside it does mean it will go on the credit card.


    I've also done another major c0ck up on the business account. Paid the wrong company 4k and its only just come to light and I'm not sure who the company is I paid. The bank have been helpful and will fight my corner if I have no joy on Monday.


    In other news the dogs have finally decided they do like swimming. I am a happy girl as I love to see them plodging about in the water. Its only taken Izzy over 2 years to decide to do it and then Isla who is only 10 months dived in straight afterwards


    Off to do some NZ shopping and to try and get DD2s mobile off my account. Really don't fancy having that bill to pay whilst she's away.
    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 7th Jul 18, 5:33 PM
    • 56,880 Posts
    • 231,649 Thanks
    beanielou
    Hope that you get the 4k sorted.
    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. MFW 2018. No 144
    • lucielle
    • By lucielle 7th Jul 18, 5:49 PM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    So do I! Especially as we have a lot of VAT to repay. Oh the joys
    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 8th Jul 18, 2:26 PM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Just a heads up to anybody reading. I took a phone call from 'BT' yesterday. They said my IP address had been compromised and it needed changing from public to private. I was sceptical and asked for their address, which I checked and it did relate to BT. They said the firewall on Amazon was weak (DD1 had ordered something so I thought that might've triggered something) Anyway I continued with caution on the phone. It was when they asked me to download teamviewer that I told them I thought it was a bogus call and to give me their number and I'd phone them back. They did give me their number so I phoned BT using a number off my BT invoice. The lady said they would never use teamviewer and they wouldn't know about IP addresses. I think I dodged a curve ball.


    Be careful peeps they were very good.
    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 8th Jul 18, 9:18 PM
    • 56,880 Posts
    • 231,649 Thanks
    beanielou
    WEll done on dodging that curveball.
    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. MFW 2018. No 144
    • brizzlegirl
    • By brizzlegirl 17th Jul 18, 10:07 PM
    • 351 Posts
    • 2,256 Thanks
    brizzlegirl
    Hope alls OK and you got reimbursed
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • lucielle
    • By lucielle 25th Jul 18, 9:32 AM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Still no news from the bank regarding the cash, still keeping fingers crossed.


    Had to get the oil tank replaced at the north house. That was a bit stressful as only had 1 day left to get it purchased and installed. Thanks to some lovely people they got it up and running.


    Had a phone call from my mums care home to say that she'd deteriorated and thought I'd better go and see her. Drove down on Sunday night and popped in for 10 mins. She was in bed and was really tired. The next day she was up but she's lost so much weight and kept nodding off all the time. She's not eating even though they're trying her with all the foods she likes.


    My oldest sister arrived at the same time as the doctor. They're going to reduce her painkillers as that can have a sedative effect and reassess today. We both had a cry in her room. She hasn't been mum for a long time and as harsh as it sounds it will be a relief when the time comes. She doesn't know who I am and I have to tell her. Heart-breaking
    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 25th Jul 18, 10:27 AM
    • 56,880 Posts
    • 231,649 Thanks
    beanielou
    That is dire Lucille.
    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. MFW 2018. No 144
    • lucielle
    • By lucielle 26th Jul 18, 5:24 PM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Have completed a form for my mum called a preferred place to stay, which basically means that she'll not be hospitalised and no anti Bs given intravenously, to allow nature to take its course. Feel like I'm on a knife edge waiting for a call.


    Anyway the debt position is as follows:
    965 Barclays
    2399.31 M&S (got 1333.86 to knock when the money comes in for this months rentals to pay for new tank)
    1720 Lloyds
    1425 Santander
    925 HSBC


    the total is 7434.31. Under 10k at last. Hope to blitz the M&S card by September and then put the car on it. Great


    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 26th Jul 18, 6:56 PM
    • 56,880 Posts
    • 231,649 Thanks
    beanielou
    I havent heard of that before Lucille.
    Thinking of you & yours.
    Take care of you.
    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. MFW 2018. No 144
    • lucielle
    • By lucielle 27th Jul 18, 6:09 PM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Phoned the home today, she hasn't really improved with the change of medication. Not eating again and they decided to nurse her in bed.


    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 30th Jul 18, 8:59 AM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Still no change on the mum front, being nursed in bed.


    Went to see Mamma Mia 2 on Saturday, really enjoyed it.


    DDs are back from Zante today. We're having Christmas today as DD2 leaves on Sunday for NZ. I'm cooking a chicken and I've got a little tree and the presents that I've accumulated so far are wrapped and ready to go under.


    I've also decided to get rid of all the curtains I was hoarding. A friends son has moved out with his family so I'm passing them onto her today. Whilst I was in the mood I tidied out a cupboard of doom, got some stuff to try and get valued at the antiques shop and some charity shop stuff to go.
    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 6th Aug 18, 5:14 PM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Been to see my mum, who actually seemed a bit brighter.


    I'm in bits at the moment as DD2 left yesterday (I was ok then) but now she's actually at the airport (she flies from Heathrow) I'm not ok.


    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 6th Aug 18, 5:58 PM
    • 56,880 Posts
    • 231,649 Thanks
    beanielou
    Glad your mum is a wee bit brighter.

    Hig hugs from me.
    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. MFW 2018. No 144
    • mfmaybe
    • By mfmaybe 8th Aug 18, 7:07 PM
    • 1,142 Posts
    • 3,700 Thanks
    mfmaybe
    Big hugs L. Watching your mum deteriorate must be so hard, and with DD going away too, I bet you feel wrecked. Take care of yourself.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • lucielle
    • By lucielle 9th Aug 18, 11:58 AM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    In other news, I've managed to find the email trail for the missing money. The banks couldn't get anywhere (not surprised) so it has been reported to the Action Fraud hotline as advised by the police.

    DD2 seems to have landed on her feet, her new employers have got her waterproofs, wellies and milking jacket. She face timed us and we had a look round her house which looks lovely. They've also sorted out her sim card for her phone and got her NZ bank account up and running. Today they were taking her for a family meal.

    I'm ok now. I think. At least I can talk about her without welling up.
    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 9th Aug 18, 3:46 PM
    • 56,880 Posts
    • 231,649 Thanks
    beanielou
    Glad you have found the email trail. Hope it gets resolved.

    Glad that you have heard from your DD & all seems to be going well
    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. MFW 2018. No 144
    • lucielle
    • By lucielle 17th Aug 18, 8:36 AM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    That's the M&S card gone. For now anyway until I decide what to do with the car
    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 17th Aug 18, 1:47 PM
    • 56,880 Posts
    • 231,649 Thanks
    beanielou
    Thats good.
    How is your mum?
    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. MFW 2018. No 144
    • lucielle
    • By lucielle 17th Aug 18, 5:45 PM
    • 8,055 Posts
    • 34,482 Thanks
    lucielle
    Hi Beanie, mum is still hanging on. She never did things the easy way!


    Should've kept my trap shut about the card. Just put 120 on for a vets bill. Got 90 quid saved in the vets pot so should get it cleared.
    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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