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From debt to freedom...

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  • Thank you SH, Janb5, Cherryfudge & Spendless. That’s exactly it in a nutshells Spendless, the sheer lack of respect  and  you’re right Cherryfudge, he waited until I was out. It wasn’t as if it needed a heavy prune - any branches slightly overhanging the path had been cut back last summer 😞. Still an apt reminder that I need to keep going on the legal front.

    Forgot to say on the last post, thank you Janb5, for the info about Scrabble. DD4 loves Scrabble and that would be an online game she would love to play with my parents. I will investigate that today.

    Seed sowing started yesterday! Just got some tomato seeds sown, these will be started indoors and then moved to the greenhouse when the weather is warmer. The variety is “Garnet”, which I haven’t tried before. It’s a cherry tomato but has more of  a bronze red colour.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What they said.... 
    Hope you manage to find some light in the midst of it all but I'd pursue the divorce as quick as possible. I hope my marriage stays strong - but if it doesn't I certainly wouldn't want it to drag on. Not good for anyone.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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