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From debt to freedom...
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This camellia ` Camellia Williamsii comes out at Christmas and is now in its full glory.
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Wow - that's stunning.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 13/9/252 -
My later camellias - `Comtesse de Bouchard` are very fickle- one is lovely and reliable but the one on the other side ungratefully died! Of course I had bought it at a garden centre which was more expensive only to discover T**co sold it for £4.99 the following week....!4
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That's absolutely beautiful, how amazing to have such a colourful display in winter @janb5
Will definitely be added to my plants to buy list, I love a splash of winter colour. I've got a tree that sprouts pink blossom in winter, no idea what it's called though. I'm a plant random things, forget what they are and hope for the best type of gardener 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
Beautiful photo Janb5. I think mine must be the same variety. It usually starts to flowers between Boxing Day and New Year and is covered in flowers at the moment.
paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
My white camelia isnt yet flowering. Glad yours are though . GorgeousAchieve 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 13/9/252 -
Today is freedom day for DS3 and I. Am determined to get to a beach at some point! Yesterday turned out to be a fairly productive day in terms of getting prep done for work on Monday and starting to fill the H1ppo bag with some of the unwanted items in the garden - largely rotten wood that is of no use except for wood lice to live in.
Yesterday I was proactive in closing the now unused joint bank account. I felt quite a sense of liberation as I got off the phone having successfully closed it. The court order has been approved so steps to freedom can be taken.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 177 -
Very pleased to read steps to freedom can now be taken. Does this mean you can now prevent exOH coming into the house? I remember there was an issue with the new keys but hope this is resolved and you feel safe in your home.6
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Woohoo on court orderAchieve 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 13/9/255 -
Great news 🥳I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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