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From debt to freedom...
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We have all had the bad summer cold here too. Hubby did a lateral flow today as he was supposed to be going into the office tomorrow (doesn't think he will now) and kids testing for school, all negative. No coughs or temps, all just blocked noses and sinus headaches.
You may find with your ds moving out that you will see a nicer side of him. Let the ex do the parenting and you can do the fun stuff like invite him on beach picnics. It may also give him more independence and a chance to spend time with his dad. It will go one of two ways, he hates it and moves back in with you after seeing how your ex is, or he bonds well with the other parent, grows up and appreciates what you have done. Putting his choices first Mia be so hard, but you will no doubt do all you can to smooth the way while always ensuring he knows the door is open to return.Debt free Feb 2021 🎉6 -
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Good to hear your test was negative.
We worry so much nowadays over things we'd have found a small nuisance a couple of years ago.
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 21/3/224 -
Thank you Parkyp, DAL, SA & Cherryfudge.
DAL - Thank you...DS1 moved out today, at least I think he did. He took his dog, most of his DVD collection and his TV but a fair amount still here! Youngest DD was quite upset whereas another DD was relieved, so an emotional evening.
What a bizarre day! Got up early to take DD1 to work, then found out that I had been in contact with someone who had tested positive for Covid, so had to come back home and start a time of self isolation. The county has seen such a rise in a Covid levels 😳😩. Had to ring Job no 2, to let them know, so much juggling of shifts for them. I have plenty to get on with from Job no 1 so even if I can’t go in, I can crack on with several tasks.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174 -
I went to the cinema at the weekend and got a tickle in my throat whilst I was q’ing for my drink. People where moving away from me, as soon as the drink was poured I took a swig and all was well ! (Had a PCR test the next day as had a little procedure today and all was neg)
it might be do your ds good to move out and realise how good he’s actually had it.Sealed pot challenge 822
Jan - £176.66 :j5 -
That was a demanding day, I hope you get some calm now and can settle into a new pattern with the others as well as catching up with work tasks. It's difficult to adjust when they move out, isn't it? Yet it's part of getting to know their adult selves. I hope you and the other children are okay.
Cases are up here too.Perhaps the timing of your isolation will be a blessing in disguise and let you have some rest. I hope you stay symptom free.
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 21/3/224 -
dawnybabes said:it might be do your ds good to move out and realise how good he’s actually had it.3
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CRANKY40 said:dawnybabes said:it might be do your ds good to move out and realise how good he’s actually had it.
Hope your tests remain negative...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 10/10/253 -
Thank you Dawnybabes, Cherryfudge, Cranky40 and SH.
Cherryfudge - you are right, it is difficult to adjust.
SH - You are right too! I have to keep remembering that even though I feel bereft in a way, I am very thankful that I have the younger ones at home and even then, we are larger than most households. It’s just adjusting...
DD2 moved out yesterday although she did say, when asked, that she intends to go between houses. DS2 also took some of his stuff yesterday...the ex has yet to even speak with me about any arrangements to do with DS. I will obviously have to inform HMRC if he’s no longer living with me but with the ex not discussing things, I feel in quite a fog about what is going on.
Finances are looking ☹️. Having informed Job no 2 about having to self isolate, it looks like I will have no income from there until I go back. I am just under the level of earnings required to qualify for SSP . Hopefully I will get my usual earnings from Job 1. It means I’ll be about £200 down so need to budget very carefully.
I also need to keep scouring the vacancies pages as I can see that the couple of evening shifts I have been doing will harder to do childcare wise now, than before, so not sure how long I can hold onto Job no 2 ☹️☹️☹️.
Today will be more working from home. Hoping to get tasks for a Job 1 finished in good time so that I can get out and weed the garden and get some more cosmos planted out to replace the plants that the molluscs munched.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174 -
Ouch to reduced money and childcare issues. Would any of your friends help? If one of your DDs intends to move between homes could you make it conditional on help with childcare?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 10/10/254
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