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From debt to freedom...

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Comments

  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Really glad your home is now more private. 

    Love your descriptions of the sea creatures
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • I am glad for the modicum of peace have now, Lou. I’m sure the elderly lurcher also enjoys it. You all deserve it SO much. 
  • Thank you Parkyp, SA, SH & Kittykattykate.

    Kittykattykate - you are right, both the elderly lurcher and DD2’s dog that seems to have stayed here, are both benefitting from the peace.

    Today has been an odd day. It was an unexpected day off as one of the younger DCs was off colour to the point of needing a PCR which was thankfully negative. The extra time has given me chance to catch up on paperwork for Job 1 and order some heating oil. I was absolutely astounded that in a week since I researched the quote, the price has gone up from £314 to £356😳😳😳😳😳. Savings are somewhat dented.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • themadvix
    themadvix Posts: 8,782 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    We’re moving to somewhere on oil and having researched it at the beginning of September and then again the other day, I, too, was horrified! I know it goes up in price in winter, but I assume it’s not normally quite so dramatic?
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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