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From debt to freedom...

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Comments

  • CRANKY40
    CRANKY40 Posts: 5,948 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    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: 25,694 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Stunning pictures
  • Cherryfudge
    Cherryfudge Posts: 15,237 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
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