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From debt to freedom...
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Thank you Jan, I know one of my sons will be very keen for me to make this! He rivals Winnie the Pooh for honey consumption!!paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174 -
Saturday didn’t quite work out as planned. I spent much of Friday on work tasks which had to be done by a certain time. I got the tasks done and just had some emails to finish off, but took a break to go to Mr T’s. Came home at dusk time to find an inebriated individual sat in their car by the garden gate. They didn’t move, except to put 2 fingers up, so I had to manoeuvre around them to get home. Over the next hour there was shouting, doors banging and the individual falling around the place. My neighbour went to ask if they felt unwell but went back inside. Don’t think he got a coherent answer. I found it quite unnerving, not least as to them being behind the wheel of a vehicle. Weighing up lockdown, social distancing, their well-being and my family safety, I rang 101 for advice, shortly after they drove off.
After that I couldn’t sleep for ages, then ended up oversleeping on Saturday morning. Consequently the work emails I’d intended to finish off on Friday evening didn’t get done, so took a little while on Saturday. I then remembered that I was booked onto a course which has assignments, the first of which was due in soon, so I did an hour or so of that. By the time I actually got into the garden it was absolute relief to sit and pr*ck out some cornflowers and listen to the wood pigeons .
Today (Sat) was a NSD. Sleep seem to be evading me again😒paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
I think I spent more of the night awake than asleep *sigh*. Read through the DFW challenges and have signed up for a couple and paid £30 off a debt.
When tidying up last week, I found my 100 square sheets which I coloured up to date. It was a pertinent reminder to keep making each payment / overpayment as best I can and not to be complacent.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 177 -
Ha- you should have rung me for a chat! I listened to Hilary Mantel on the radio!
So infuriating isnt it! Just about to finish the shawl i`m crochetting and then wash it. Hopefully baby wont arrive in the next 24 hours!6 -
Sorry you are struggling with sleep HSL. I went through a period where my sleep was shockingly bad. I wrote poetry or in my journal or listened to music on a repeat anything to get my brain to switch off.Achieve 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 29/7/256 -
I am a chronic poor sleeper and have found the best way is to ignore it as if I allow myself to be cross that I`m not asleep, it prolongs the problem!5
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Thank you Jan and SH. Thankfully the last 2 nights I’ve had much better sleep. Last night I went for a run at dusk, which did seem to get me to sleep more quickly.
Yesterday was a work ( at work) day and today has been a work at home day. Don’t feel any further ahead and in fact felt quite bad when DS3 came up to me and told me that I’d worked enough now. I think I need to be stricter with myself and sign out by a certain time. Two of my children are quite self motivated and cracking on with their home learning. For two of the others, it’s an uphill battle getting them involved in their learning. Then 3 haven’t got anything to do because one is furloughed and one is too young although I am working with him on being able to write his name! Have to say I’m impressed by the local sixth form college who have put in remote learning projects for their prospective intake of students so my Y11 child will now have work to do😀. DD2 still has practical things to complete and photograph as part of her work, so I felt quite treated tonight to have tea cooked for me - salmon and prawn open pie made with filo pastry, served with duchesse potatoes and veg, followed by a choice of banoffee pie or profiteroles- delicious😋.
I had a few minutes at the allotment this evening while DD2 was cooking, enough time to water everything in the greenhouse. The cosmos have finally germinated, they’ve taken quite a while! The rabbits have eaten the cauliflowers so I’ll need to do a second sow of them. I’m surprised they haven’t munched anything sooner but it was the raised bed with the oldest, weakest fence around it. Everything else is coming along. I’ve sold another £20 worth of plants at the garden gate over the last couple of weeks so that will go off the window loan. I feel like it’s a double win. The money goes off the capital but also means that when the monthly payment is taken, less goes on interest and more off the capital. Small steps but the balance goes downward🙂.
paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 177 -
Hi HSL any update on selling the plants online or even Facebook Marketplace? Very impressed at your making a dent in the window loan - fantastic progress. Dinner by DD2 sounded yummy!5
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Thank you Jan. I haven’t really progressed on the plant front, except to think that after lockdown or whenever we go back to some type of normal, I would like to carry on growing plants but more unusual ones that you’re not likely to see outside supermarkets. I’m thinking of different types of primula such as gold laced primulas primula viallii or drumstick varieties, different colours of lavender etc
Today has not gone so well so far. I noticed a couple of days ago that there were a couple of wet patches on the floor. I assumed that one of the loopy puppies had had an incontinent dribble ( although they are much better now and haven’t had any accidents for quite a while). On further investigation the wet patch didn’t smell so I pulled back the carpet and found wet floorboards underneath. There is a wet area around the bath taps where they meet the floor😰😨😱. Just as I get on more of an even keel and have a little more wriggle room with the finances 😓.
paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
That tea by DD2 sounds awesome. Sorry the rabbits napped your cauliflower. Hope the rest grows okay. On the leak I feel your pain. I bet you wanted to scream. You are doing amazingly well, coping with a lot. Don't over-worry about the kids learning it will sort.Achieve 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 29/7/255
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