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From debt to freedom...

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  • CRANKY40
    CRANKY40 Posts: 5,951
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
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    I had my letter about the tax credits £500 today - it was dated 23rd of April which was the day that all payments were due to be paid by. You'd think they'd send the letter first and then the money wouldn't you?
  • Sun_Addict
    Sun_Addict Posts: 26,381
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Beautiful photos. Those lambs are adorable 😍
    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • Parkyp
    Parkyp Posts: 883
    Sixth Anniversary 500 Posts Name Dropper
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    Stunning pictures
  • Cherryfudge
    Cherryfudge Posts: 15,810
    Part of the Furniture 10,000 Posts Name Dropper
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    I just love your photos!

    Well done on the firm but polite phone call too. :) 
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Well done for being assertive

    Love the photos - especially of the sea - feel like I have withdrawal as didn't get to a beach last year...
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Good luck with protecting from rabbits. It always makes me think of Peter Rabbit and smile though when I hear about rabbits taking food - but I suppose if you are relying on the food it does really matter
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
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