We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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...

1261262264266267455

Comments

  • janb5
    janb5 Posts: 2,680 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 2 April 2021 at 2:47PM
    I am very relieved that I haven't been unceremoniously drummed out of the thread for being a rebel!
    Sending commiserations for the horrible week.  I often find that ghastly things happen at the same time when no one has the stamina to sort them.  I`ve been putting out fires all week!
    During Covid all the white goods etc decided to ` die` including the pc, printer, washing machine etc. My extra income usually from `house guests` all stopped too.  Now my mobile phone joined suit and I have lost all my numbers etc. Luckily my dil has helped me out but it really highlights to me that I have so many gaps with phones and IT.
    To deal with one son is difficult but two at the same time... aaarrggh.  You need some sunshine + escaping from the dastardly ex!
    I am trying to focus on all the lovely things such as my lovely disabled grandson getting a special Jack Petchey award and the family hopefully getting their adjustments to their house to help them cope.  Also having my granddaughter back two days a week..
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,817 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 3 April 2021 at 5:55PM
    Thank you SA and Janb5.

    Jan - sorry to read about the technology / machine difficulties. It is bizarre how things just seem to go at the same time. Had that with the oven and hob a year ago. That’s great that you can see your granddaughter again and your grandson getting an award.

    Yesterday afternoon was lovely...the older DSs were out so most of the DDs and DS3 went to the allotment. We were able to clear back the pathways and chop back some brambles. DD4 has a seed bomb that she was given and is keen to use, so I thought if I could get rid of the nettles and their roots, she could then throw the meadow flower seeds on the soil.  I chopped back the dead stems of the lemon balm plants. They are such useful plants. When you brush past, they given off a citrusy aroma and self seed freely, which is so useful for weed suppression 😉☺️. I also  use some  stems to put with cut flowers in the summer. 

    The cerinthe was repotted yesterday until I ran out of compost! The Tigerella tomatoes look as if they will need potting on next. I also need to get some courgettes sown today at some point.

    Hoping to see my parents today in their garden. I thought that we were more able to be outside, especially if it dropped cooler, then at least they could be in their conservatory with the doors open and not get cold. I quite like pottering around their garden while I visit and crack on with the jobs that need doing and  I like doing but they don’t feel quite so enthusiastic about😁.

    Off to make some Simmnel  muffins.  Have a super Saturday everyone.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • lucielle
    lucielle Posts: 11,577 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the visit went well 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry your DS 1 and 2 and ex have been a pain. 
    Glad you had a relaxing time reading near the beach. Glad some of your seeds are germinating. Hope trip to see your parents went well.
    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
  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Happy Easter HSL. Crossing everything that you get sorted at court soon.
  • Onebrokelady
    Onebrokelady Posts: 7,921 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Thank you Lucielle & SH.

    The visit to my parents went well. It was sunny  and their garden is quite sheltered in parts so we were able to be outside without anyone getting cold. I was able to crack on in the garden and get a border weeded. There was a very friendly robin that was watching closely!  We planted a tree that was in danger of being pot bound. It was lovely for us to see each other again, grandparents and grandchildren each enjoying the company of the other.

    We left in good time to be home to cook tea ( we are in the same county). I have been quite lazy and simply read for pleasure last night. I finished “The Salt Path” ( so glad you mentioned it on your diary OBL🙂) and read the life story of Nicole Mullen, an American singer/songwriter which was a thought provoking read. My lovely brother gave me “The Wild Silence” for my birthday so looking forward to getting started on that one. I’d also like to reread Monty Don’s “ The Jewel Garden” at some point over the holidays.

    Today’s plans are church on Zoom followed by an Easter egg hunt at the allotment. I need to make another batch of simnel muffins and hope to get out for a decent length walk🥾.

    Happy Easter everyone 🐣🌷
    Did you enjoy it,I also enjoyed The Wild Silence apart from a couple of niggles ( because I work for the NHS, not to do with the quality of the book 😀) 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
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
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K 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.