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From debt to freedom...

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Comments

  • Spendless
    Spendless Posts: 25,290 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm another pleased at the progression and that you've been finally change locks and your DD3 is quite correct about who should be allowed a key. I too was concerned about your emotional safety and well being with what was going on.

    Ouch to the rise in the heating costs. 
  • jennystarpepper
    jennystarpepper Posts: 840 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    edited 17 October 2021 at 9:19PM
    Thank you, and yes I did mean emotional abuse, it is much harder to deal with / recover / cope with.  Maybe even a doorbell with a camera... everyone / lot's of people have them now and probably would be easier to explain.... just a regular step in home security... think you can get an app to check coming / goings on your mobile when you are not at home.

    Again you are doing an amazing job. X

    If this helps anyone else... your local library / council customer service keep A paper copy of electoral register... if you think you know where someone lives you can look at the copy for free, they can also tell you where to visit to check other areas if you do not find them.  They will have to be registered to have a mortgage / pay rent / get credit. 

    If you have the right address you can go on line via Gov. website and pay about £3 to see who owns the property and it will tell you who it is mortgaged with.
    MFW - 01.10.21 £63761   01.10.22 £50962   01.10.23 £39979   01.10.24 £27815. 01.01.25. £17538
    01.03.25 £14794.    01.04.25 £12888
    01.05.25. £11805. 12.05.25  £9997   05.06.25  £8898. 
     01.07.25. £7975  01.08.25 £6968 01.09.25 £5956. 01.10.25 £4979
    01.12.25 £2899 21.01.26 £0

  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Agree you continue to show grace and tenacity
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • Cherryfudge
    Cherryfudge Posts: 15,255 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It must have been unnerving seeing the ex suddenly like that. Are you're okay?

    I hope the poorly ones perk up soon. It's always worrying.
    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: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hugs
     Hope it is over soon
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • janb5
    janb5 Posts: 2,700 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    All this is worry which you shouldn`t have to tolerate.
    I wonder what his justification is for not paying any support for his children over a six year period.....

    Have you any friends who could help you install a webcam?

    Any news from the CSA- I fantasize that they make payments going back to the beginning of the separation!
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