📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

From debt to freedom...

Options
1195196198200201453

Comments

  • savingholmes
    savingholmes Posts: 28,971 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 £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 29/7/25
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,809 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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.