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From debt to freedom...

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Comments

  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 9 October 2021 at 12:55PM
    Wow.. a lovely positive post even if written at the bewitching hours! 

    Very happy re the keys! Being evil I'd like you to do a dawn raid and rescue the pilfered items!
  • Cherryfudge
    Cherryfudge Posts: 13,569 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm so pleased you have the locks changed! Parkyp has a good point about the kids' keys, it would be too easy for him to copy one :(

    Nice that you had a bit of time at home and drying weather for the washing. It makes such a difference!

    The change in fuel prices is worrying: we have mainly gas heating so I'm glad we don't need it on the last few days, but at some point in this climate we all of us have to give in and switch on. I hope your tank of fuel lasts and lasts!
    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
  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 9 October 2021 at 8:36PM
    I`d be inclined not to give those children living with your ex a spare key. You cant keep changing the locks anytime you think he has a copy.  They can ring the door bell.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fantastic news re locks. Definitely don't give keys
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
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