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My diary... becoming debt free whilst still having a life!!!

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Comments

  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Oh Ruby I am so so sorry, I will pray for you and your family, dont forget we are always here if you need to talk sweetheart xx
  • Gina_of_course!
    Gina_of_course! Posts: 292 Forumite
    Ruby.... So sorry to read your family news. No words will ease your pain, but please know that other people are thinking of you and yours. x
  • cocktailsavings
    cocktailsavings Posts: 254 Forumite
    Sending you my condolences Ruby ... just stumbled on your thread and had to write. So sorry to hear of your sad loss. My thoughts are with you and your family at this difficult time. Zoe x
    Mummy to a beautiful 4 month old princess! x
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    Thanks to everyone. xx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You're welcome Ruby - hope you are doing ok! Although I expect you won't really feel okay for a long time to come... Our prayers are still with you
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • irishchick_3
    irishchick_3 Posts: 77 Forumite
    Ruby, I am so very sorry! Praying much for you and your family circle!
    lots of love x
    Debt - £10,000

    Small changes..... Big Differences!
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Ruby thinking of you and your family xx
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ruby still thinking of you
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    Hi everyone, thanks again for all your kind words, best wishes and support!!

    I am feeling a little more normal today (well as normal as I can hope for) went back to work today so I have been distracted. The funeral is on Thursday this week, so obviously I am not looking forward to that.

    Debt busting has taken a back seat... we just don't care at the moment!!

    How is everyone else.... any gossip to distract me further please?

    xxxxxxxx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the funeral goes as well as these things can

    I don't have much in the way of gossip altho my sis got married recently and my OH did the service, my DS was an usher and my DD was one of three bridesmaids. They all looked gorgeous. We invited my MIL who absolutely adores my children, to the extent, that my brother apologised to his kids that he hadn't been able to give them a grandma like that. My childhood wasn't happy - but as MILs go I think I drew the right straw! She says what she thinks and can be uncomfortably direct but she is so generous in time and spirit! She has taught me so much.... and my DD so much.... My DD is such a girly girl and I think some of that is due to the time she spent with my MIL - in turn having a girl has made me confront some of my issues with being a female - which has been good....

    Other than that not much gossip to add to the party....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
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