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From debt to freedom...

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  • Thank you Parkyp - time just flies by with Job 3!
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Oh wow! That has come around quickly. And I know its sad the puppy has gone but it's to everyone's benefit so you've done the right thing. 
    So you've got 4 children at home? Hopefully that will reduce the taxiing and need for petrol. 
    I'm the same as you and yesterday was driving home from work with my fuel light on and actually needed fuel. So embarrassing. I called my thanks to the lady managing the queue at tesco. 

    Have you got more space now for everything? Make sure you make the reduction in your food bill work for you xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Puppies are such hardwork!  Hope life settles down and a new routine starts
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Cherryfudge
    Cherryfudge Posts: 13,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    A big day... :( I hope your DD1 will be very happy in her new venture. She's been a support to you and I know you'll miss her, but you seem to have such a strong relationship and nowadays with social media it's so much easier to stay in touch.

    It's good you have a home for the puppy, and one that seems 'right'. Do you still have an older dog?

    The whole petrol shortage is worrying, and reminiscent of the panic buying early in the pandemic, but I can see you will need it, because of where you live. Hopefully it will ease 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
  • It's exciting when our kids move on - but there's always going to be some sadness too. I'm sure I'll have mixed feelings when DS moves to London soon. Has your DD gone abroad?
    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
  • Glad your DD hasn't gone too far away then. Hope things settle for you soon.
    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
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    This week has been rubbish all around. Its not you. I'm sorry to hear of the local tragedy. 
    Hoping that all your routine changes are working out OK. You are taking an absolute tonne of changes in one go so I'm so impressed xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
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