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From debt to freedom...

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Comments

  • savingholmes
    savingholmes Posts: 29,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your dog made it through the operation. Hope he recovers quickly. On the GW thing - I signed up for I think 6 GW magazines for £9.99 and it came - with free seeds. I also did it as a birthday present for a relative. Have a look at offers on the site. 
    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
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,817 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Thank you Jan, Mumoffourkids, SH, Cherryfudge, XSpender and DAL.

    We had an interesting night...whether it was the heat, or recovery from the general anaesthetic or sheer bewilderment as to what had happened to him, the elderly lurcher was quite agitated last night. If I moved from his side he would start whimpering so sleep didn’t really hit us until dawn this morning! Thankfully he has been much calmer today, has been content for me to be out of sight from time to time and has managed to get out into the garden. He had a check up this afternoon and all is ok so I remain very thankful and rejoicing that he is still with us.

    Today has been quite a lazy day really. I’ve done some work in preparation for next week and have to go in tomorrow to do some final practical preparation for Monday.

     The children are quite miffed that we aren’t heading to the beach. There do seem to be more cars and people out and about and there were some tragedies last weekend with people getting into difficulties in the water. I offered the children the next best thing which was a paddling pool full of cold water which DS3 was very pleased about!

    I need to spend time this evening planning the budget very carefully, in light of the leak and the vets bill. All reserves are very much depleted so it feels like I’m starting the EF from scratch again but at least I’ve been able to avoid using the credit card .
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
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