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From debt to freedom...
Comments
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Thank you SA and SH.
Feeling utterly shattered. I think it’s the combination of the journey to the funeral ( opposite end of the country) ) going straight back to work in both jobs next day and all week and the emotional rollercoaster that came with it all. I’m crawling through this week.
Haven’t really done anything other than go to work or prep for work, so am looking forward to the bank holiday weekend.
Heard back from the police. I need to ring them back tomorrow to talk through the damage .paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174 -
Hope you get a good night's sleep tonight. A hard week.
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 -
Sending hugs HSL2. Make sure you get some time to recharge your batteries this weekend xxMortgage @ 03/2019: £125,000, Now: £49,869.55
Mortgage OP’s: £22,109.28
SHTF pot: 500/10003 -
You've had a lot going on - and grief over your friend and fear over your Ex's stupid antics won't be helping.
Hope things improve soon. Keep your head up.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 10/10/254 -
Hope youve managed to have some quality peaceful time this BH X
Sealed pot challenge 822
Jan - £176.66 :j4 -
Thank you Cherryfudge, MeandO, SH & Dawnybabes...I did get some rest over the BH which was very much needed. On Friday night I slept solidly for 11 hours which is unheard of for me. Another busy week at both jobs has flown by and I’m looking forward to getting to the weekend.
paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
Glad you got some rest - even if it was overnight. Sounds much neededAchieve 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 10/10/252 -
Thank you SH.
Life is just really busy at the moment, juggling the 2 jobs. It’s the time of year that both start to get busier so feeling a bit like a hamster on a hamster wheel!
Moneywise, I’ve taken out some of the Help to Save money in order to clear a small balance on a credit card, which will hopefully improve chances on the mortgage front. Savings are now very depleted after having to use them for new fridge, trip away and the repair to the exhaust m so will need to really focus on building up again.
Did manage a walk in the top fields with DS2 yesterday which was really precious. The sense of space and timelessness as you look out over the village to the moors in the distance is a wonderful tonic.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
It's very important to ground ourselves in nature regularly, @Honeysucklelou2..I like to walk barefoot around the garden - I find the combination of feet & warm grass mentally calming. Most people can access some kind of free local walk for a leg-stretch & fresh air. I find even just doing pavement circuits of the village is better than nothing.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)4 -
I think you are sensible trying to keep things looking good for your mortgage. Hope you manage to get one in place soon.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
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