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From debt to freedom...
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So sorry for your loss. May God comfort you and all those who held her dear.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 13/9/254 -
Sending you love and prayers HSL, I am so sorry about your friend. xxxx
Hope work was ok XXXNevertheless she persisted.4 -
Sending hugs... that's so hard. xxI 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 21/3/222 -
Sorry to hear about your friend 😥
Hope you get some rest during school holidays.2 -
Sorry about your loss HSL ❤️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 -
So sorry to hear about your friend, @Honeysucklelou. I too lost a dear friend - almost 5 years ago now. She was only my age & I know how wrong & sad it feels, as I still miss her.
F x2025'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 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)3 -
Thank you everyone for your kind words. @foxgloves she was my age, we’d been friends for almost 30 years and had been though various life events together. She will be very much missed by us all.
This weekend has been weird...lost in thoughts and memories one minute and children needing help with various things most of yesterday. I have one more week at work before the Easter holidays. It’s also a busy week at Job 2 so looks like I’m doing both jobs everyday this week, with the exception of Friday night. I’ve done a couple of weeks like that before and know by Friday I’ll be utterly shattered.
Its a keeping plodding week as @beanielou would say. I am thankful for the continued flowering of the Spring flowers.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
Sending love Honeysuckle, it must be so hard to lose a longtime friend like that. ☹️Sounds like you have a very busy week coming up, hope you’re not too exhausted at the end of it. I honestly don’t know how you cope, you’re a pillar of strength and I really admire you.Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.2
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I honestly don’t know how you manage with two jobs and all your mama duties. I know that many of your kids are getting older and they don’t all live with you but I know your three littlests at least are still fairly young and probably generating a ton of laundry and mess etc. Plus all the mental load and admin doesn’t necessarily go away when they turn 18. You’re a superhero!I often feel exhausted by Thursday (end of my working week) and I only work 26 hours a week and only have two children. I do hope you find some moments of rest in your week.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: £55,4256 -
Well done HSL for keeping going. I hope once you get the mortgage sorted that some of the financial pressure will reduce.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 13/9/253
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