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From debt to freedom...
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Sounds exciting on the mortgage front. Sorry about the Tax Credits though.
Your elec bill sounds very high. Is there anything you can do to reduce it?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 29/7/252 -
I hope you can get some progress with the mortgage. When I last re-mortgaged they wouldn't believe I don't have any commuting expenses (I walk to and from work) and insisted on putting an estimated figure for bus fares down which was annoying as I never get the bus!
So sorry to hear about your friend. Also sorry to hear about DS1 he could've at least popped in, I bet he will when he wants something. And added to the mix the tax credits 😒
I'm still waiting for my gas/electric direct debit amounts to land. I have one more month of the lower amount and am still in credit. There will be some serious budget pot shuffling once the higher amount kicks in as will be the case for many others I'm sure.
I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
I'm very sorry to hear about your friend.
It's lovely that DD1 was home for Mother's Day even though DS1 wasn't. I think my children are getting better at it as they get older so perhaps in a year or so he will make time and effort for you as you've always done for him.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 21/3/225 -
So sorry to hear that your friend is not well HSL2. Sending hugs your way and to your friend. xx
Mortgage @ 03/2019: £125,000, Now: £51,956.86
Mortgage OP’s: £20,691.73
Remaining 10% OP allowance 2025: £1327.554 -
Thank you SH, SA, Cherryfudge & MeandO.
Glad to have got to the weekend...it’s busy at Job 1 and have a madly busy week next week with double the number of shifts at Job 2.
Payday was on Thursday. I had hoped to make bigger debt repayments but will have to go with usual repayments as need to stretch pay to cover more.
Hard to focus today...my dear friend passed away 😣😭😣😭. Thanking God for the many happy memories I have but gutted for her family.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
I am so sorry for your loss GSL. Losing a dear friend is gut wrenching. Sending a huge hug.x3
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So sorry to hear about your friend. XxMortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway2 -
Sorry to hear the sad news about your friend xxI get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Sorry to hear about your friend too @Honeysucklelou2. I'm sure you're doing everything you can to tell her family how loved she is and that will help everyone. Be kind to yourself xxx3
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So sorry to read about your friend.Debt free Feb 2021 🎉1
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