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From debt to freedom...

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  • Cherryfudge
    Cherryfudge Posts: 13,299 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How lovely to have time with your DD1!

    I hope you can get some rest as well as catching up at home, it must be full on working three jobs.

    Good move on the phone contracts. :)
    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: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to see DD. Good she's taking responsibility for her bill too.
    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
  • Sun_Addict
    Sun_Addict Posts: 24,088 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just concentrate on you and the young ones this Christmas. The older ones will come and go as you say, they’ll have to fit in with you. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The walk sounds beautiful 
    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
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How lovely to see your DD.  Bah Christmas!  It gets harder each year to sort my lot out.  Glad you enjoyed your walk
    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
  • Spendless
    Spendless Posts: 24,682 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Glad you got to spend time with your DD1.

    The window loan sounds very doable to be gone. Race is on which goes first window loan or divorce finalised -lol.

    Yes Christmas does evolve. I'm facing that. No DS for first time as he's going to his girlfriends and though DD will be home for Christmas, she currently studies in Scotland and I've told her to not to miss out on what might be her only New Year there. I've got between 8-9 coming, which has been  an ordinary meal time for you and am a bit daunted by it, especially since DH signed me up to it without checking with me first and it's being made and I've got a feeling no guests will contribute or help out with the day! 

    Bet they all like their Advent calendars. 
  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi HSL - did you get any response from the CSA?

  • Hope all is well XX 

    Christmas is funny, I told one of my friends that I had never spent a Christmas any where but home and he was so surprised. He is hardly ever at home at Christmas. I actually felt sorry for his Mum who is a difficult woman at best. 

    I am guessing the 3 jobs (HOW?) are taking the time, I hope you get to sit an have a cup of tea at some point XXXX 
    Nevertheless she persisted.
  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi HSL..  hope you're ok .
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