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From debt to freedom...

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  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,804 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Thank you Foxgloves and SH.

    Had a rare night off tonight so have been busy catching up on work for Job 1. DD1 goes back to uni tomorrow. I’ve had her home for 6 weeks so got used to having her around again...will miss her. 2 DDs have got exams coming up in the next couple of weeks.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Cherryfudge
    Cherryfudge Posts: 13,217 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That time of the year again... oh the pressure when more than one has exams! I hope your DD1 has a good term.
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope exams go well

    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
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,804 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Thank you Cherryfudge and SH.

    Life continues to be a whirl of work, with both places getting busier. Thankful to have got to half term but much to do on the work fronts and at home.
    The DDs are in full swing of exams. They are both working hard and putting in the effort revision wise...will be glad when the exams are all done.
    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
    Hope you are ok. Life sounds busy as ever. Any progress on the mortgage?
    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
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy half term XX 

    It is a relief but I know what you mean about lists of jobs! 

    Take care XXX 
    Nevertheless she persisted.
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,804 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Thank you SH and Buffy,

    I seem to have spent a lot of the weekend sleeping. I think it’s the busyness of the last half term catching up with me. I did take the youngest 3 out yesterday. We had planned to meet with another family at a local theme park. Unfortunately the other family couldn’t make it at the last minute and I didn’t want to disappoint my children, as we rarely go and it’s a “big treat” in their eyes, so we went for a few hours. They had a great time on all the rides. I had a good time admiring the lupins and other other colourful cottage garden flowers that they had dotted around! It’s the most I would spend on a day out, so need to regain  focus and plan the more relaxed beach days that we all enjoy.

    It’s  half term, so only have to go to one job this week, but have huge amounts to do for Job 1 and in the house and garden. DD2 had a day here last week, kindly looking after DS3 who wasn’t feeling well. While she was here she did some weeding for me and filled binbags worth 😳. I’ve taken those to the tip this morning and got rid of some more outside clutter of the ex’s . Off to get some compost in a minute so that I can get some late sweet corn sown, a second sowing of beetroot and lettuce and pot up the tomatoes.

    Tomorrow is payday from Job 1 so need to plan very carefully here each penny is going. May has been a weird month. I have been invited out a few times which has completely thrown me on an emotional level and has meant I have spent more. I can’t do that in June as I need to be completely focussed on getting this mortgage through.

    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
    Glad you had some fun things for you this month even if you now have to rein it in again. 


    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cost of living rise is definitely biting. Glad you are finding low cost activities to entertain the family. I love alliums too - they are one of my fave plants. I have about 3 but would love more... 
    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
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