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From debt to freedom...

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  • Cherryfudge
    Cherryfudge Posts: 13,241 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    More belated birthday greetings here! I adore those times when all the children are together and swapping yarns. I had a birthday earlier this months and we did just that, and now there's a new generation as well and she just fits right in, so I can promise you good things to come. :) 
    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
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Can you get the school cost’s back?  
    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
  • MeandO
    MeandO Posts: 3,231 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Happy belated birthday HSL2, glad you had a lovely day. Xx
    Mortgage @ 03/2019: £125,000, Now: £51,956.86
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • Thank you SH and Spendless.

    Good idea Spendless, although it looks like the metal has gone. I suspect the ex didn’t want to lose the chance of money on that. There’s lots of wood that could do with being sawn into fire sized pieces and stored to dry. The rest is bricks, blocks, gravel & other building type paraphernalia. Last week I swept one small area, put some birthday pots of Spring flowers outside the door and already it’s given the place a colourful lift!

    Another working week has flown by. I am so thankful for the lighter mornings and lighter evenings and am so looking forward to next weekend when the clocks change. The birdsong has been wonderful to hear. There is a female blackbird that’s been flying in and out of the boundary hedge with straw in her beak. The garden is a place of such busyness in the bird world at the moment! On the way to DS3’s school we have to pass a beautiful Magnolia tree. It’s been lovely watching it change day by day from furry bud to open flower.

    The council tax bill came today. In light of the rising rates for petrol and mortgage, the council tax rise seemed quite modest! Diesel was 184p a litre at a local garage on my way home tonight. I was shocked last week when it reached 170p!

    Wages from Job 2 will be split this week between saving £25 towards Help to Save and paying a bit more off the debts.


    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
    Love that you are reclaiming your home and garden and making it more you.

    Ouch to fuel.
    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
  • foxgloves
    foxgloves Posts: 12,575 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 19 March 2022 at 1:36PM
    Spring birdsong is just lovely, @Honeysucklelou2. Now the mornings are lighter, we are getting a proper dawn chorus &.I love lying in bed first thing with the windows cracked listening to that. I like how a blackbird usually starts it off, then a rival pipes up, followed by all the other birds chirping in their contributions. It's such a joyful thing to wake up to. I've been clearing assorted cr*pola out of the shed today, digging over the bean bed & litter picking....all the time being serenaded by our friendly robin.
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
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