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...

1275276278280281455

Comments

  • Cherryfudge
    Cherryfudge Posts: 13,769 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What a lovely walk - there are so many wild flowers at the moment and as ever you are ahead of us! I haven't seen any foxgloves yet this year but there are huge clouds of Queens Anne's Lace.
    I hope the challenges are easier than anticipated and you get some joys in amongst them.
    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
  • Sun_Addict
    Sun_Addict Posts: 24,376 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I had to look up Queen Anne’s Lace and I know it as Cow Parsley and yes it’s out in abundance right now. Hopefully it won’t be too much longer before you’re finally rid of that toxic ex 🙏
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Walks sound lovely. Great debt repayment progress. Sorry about ex situation
    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
  • Sun_Addict
    Sun_Addict Posts: 24,376 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m shocked at them moving out too. It really does sound as though your ex has a hidden agenda, makes me wonder what he’s up to. Just what you don’t need him being closer.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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
  • 245.1K 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.