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From debt to freedom...
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I can imagine the emotional relief of having the key and locks sorted HSL2. I’m really hoping you can start to feel a little more relaxed and safer in your own home now.Sorry to read about the car issues too.I do love reading about your walks, you have such a beautiful way with words. Hope you have a lovely stress free week xxMortgage @ 03/2019: £125,000, Now: £49,869.55
Mortgage OP’s: £22,109.28
SHTF pot: 500/10005 -
Walk sounds lovely. Wonderful news on the keys and the security it gives you. Is the divorce anywhere near to completion? Great to the extra hours, as long as you don’t burn yourself out.LTotal 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 #1244 -
Walk sounds gorgeous. Great news on the new locks and the revelation and comfort that brought. Good luck with the car.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
Your walk sounds amazing. You have such a way with words!Part time working mum | Married in 2014 | DS born 2015 & DD born 2018
https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1
Consumer debt free!
Mortgage: -£128,033
Savings: £6,050
- Emergency fund £1,515
- New kitchen £556
- December £420
- Holiday £3,427
- Bills £132
Total joint pension savings: £55,4254 -
So delighted for you re the keys and all the implications. It may have taken eight long years but you have succeeded! Well done.x2
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Thank you MeandO, Lucielle, SH, Bluegreen143 and Janb5. It is such a relief to know that the doors are secure.
Lucielle - it’s just the conveyancing following the court order left to do. I’ve heard from the solicitor doing this part now, so am hoping it won’t be too long.
Still lots of items left in the garden and odd parts of the house. I haven’t had time or energy to deal with them yet but hope to when I get to half term.
I seem to have picked up a couple of half shifts this week in addition to my 2 usual rotad ones so will need to pace myself this week!
paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173 -
@Honeysucklelou2 I have no idea how you have the energy to work the hours you do. I hope you get some time to yourself sometimes?Part time working mum | Married in 2014 | DS born 2015 & DD born 2018
https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1
Consumer debt free!
Mortgage: -£128,033
Savings: £6,050
- Emergency fund £1,515
- New kitchen £556
- December £420
- Holiday £3,427
- Bills £132
Total joint pension savings: £55,4252 -
@Honeysucklelou2, I know you are in the region forecast to get hit hardest by storm Eunice - stay safe and I hope you don't get any damage. Will you have to go into work?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 21/3/223 -
Good luck with the shiftsAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Thank you Bluegreen143, Cherryfudge and SH.
Cherryfudge - Thankfully my headteacher made the decision to shut for today. My commute is about half an hour through wooded valleys and remote lanes, so wasn’t looking forward to the journey today. We’re in the red area on the news map, so I’m thankful to be home. DD3’s college has shut too so we can all be at home.
I’ve worked 4 evenings this week at Job 2 and was so, so tired by the end of shift last night. Lesson to note, in term time 3 shifts is my absolute maximum.
Hope everyone stays safe today.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174
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