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From debt to freedom...

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  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year. I really hope this is the year that you gain your freedom 

    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
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,809 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 2 January 2022 at 8:51PM
    Thank you Parkyp.

    Its been quite a relaxing day today. I made it out for a local walk with DS3  while the older DDs were all having a study session for their respective courses and upcoming assignments / mock exams. It was lovely to get out and walk. I spotted the first catkin starting to flower 🙂. The camellia bush in the garden is starting to be covered in pink blooms. I know we have to get through Jan and Feb but I always feel happy to see hints of Spring around.

    DD1 had managed to pick up some yellow stickered lamb which we had roasted today. We had been gifted some pears which were looking like they would soon be going over, so we put some in the slow cooker with some mulled wine ( DD1 says the wine was much improved by the pears😂) and then ate the pears with custard for dessert! The rest of the pears were put into a flan. I’m determined to have as little food waste as possible this year!


    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The photos are lively. I'm sure scenery like that aids mental health too. 

    Well done on the zero waste approach. Glad you got out for walks and that the kids are getting on.
    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
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