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From debt to freedom...

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photos - especially the yellow one
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Thank you Janb5, Rigere11a and SH.

    Not quite sure what has happened to this week, it seems to have raced by!  Yesterday was largely spent on a DIY task. I think I’ll have to get a plumber in for the next bit but at least I could see some progress.

    The last 2 evenings have been spent at Job 2.  The Covid situation is quite unnerving. There is a rise in cases locally to the extent that some hospitality venues have had to shut 😳.  I’m keeping a face covering on while I’m working and disposable gloves, to be on the safe side.


    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Parkyp
    Parkyp Posts: 883 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Oh is that Summer over with now, I know it’s getting darker now but Winter opening hours in August 🤷🏻‍♀️ 
    Always good to have soup in the freezer for a quick dinner.
  • Cherryfudge
    Cherryfudge Posts: 13,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    The soups sound really nice, but of course with my meals planned for the day, I now want macaroni cheese! Perfect 'comfort food' so added proof of the changing season. Stand by for casseroles and corned beef hash...

    What a nuisance about the change in opening hours, I hope you can get in today.

    It's not nice when there's an increase in Covid. We were there a few weeks ago but it's gone back to a bit below regional norms now. I hope your area gets back to low levels soon.
    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How irritating re the tip!

    Have you found that you have reduced your grocery spend now their are less kids at home? How's your allotment going?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    You are lucky you don't have to book the tip. We are apparently keeping this system, where you can only go once a week and need to book. Not happy 
    Debt free Feb 2021 🎉
  • joedenise
    joedenise Posts: 17,752 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You are lucky you don't have to book the tip. We are apparently keeping this system, where you can only go once a week and need to book. Not happy 
    Same where I live too.  It means you have stuff laying around until you can book a slot or book a slot and then hope you can find enough to make the trip worthwhile!  Our nearest tip is over 8 miles away so about 17 mile round trip.

  • Sun_Addict
    Sun_Addict Posts: 24,092 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    They moved our local tip from 2 to 10 miles away. Can’t get anyway without a car. We have to either hire a skip, pay for the council to take it or wait until they do their free rubbish removal in January/February. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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