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From debt to freedom...

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Comments

  • Cherryfudge
    Cherryfudge Posts: 13,967 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: 24,567 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: 29,112 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 £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Sun_Addict
    Sun_Addict Posts: 24,567 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)
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