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From debt to freedom...

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  • Thank you Spendless, SH and Cherryfudge.

    Can’t  believe I’ve been off work for a week already! I seem to have spent quite a bit of time trying to sort out the house and declutter. I’ve paid £30 for a bulk waste collection to pick up an old sofa and fridge. I’ve spent a day sorting out my bedroom 😳 but I can see progress and at least 2 bin  bags of clutter have left my room. I’m trying to be more ruthless which is tricky when I’m a bit of a hoarder - I rationalised that there is no point keeping a desk that is on the point  of collapse all the time and is beyond fixing, so that has gone and I will look out for a new to me desk in the charity shops. Interspersed with the tidying have been a couple of beach trips and spending time with my friend, as well as shifts at Job 2.

    Moneywise payment went out for the window loan so that is now £675. I’m about to go to the PO and bank £30 of tips which will go off a debt and bring that figure down.

    Happy Thursday everyone 🙂.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Life sounds as busy as ever.  Not been to the beach for ages and then when I do think about it I've usually just taken the dogs to the groomers and want them to stay fluffy for a bit longer.
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on decluttering - I too know how hard that can be. 

    Well done for paying for the bulky goods clearance too and the OP to the window. You're getting there.
    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
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @Honeysucklelou2 well done! Clutter clearing has big psychological benefits I find; I  think it reinforces that I'm on a different track.  Onwards and upwards love Humdinger xx 
  • Spendless
    Spendless Posts: 24,668 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yes I agree. Decluttering has big benefits on well-being. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fantastic on the decluttering.

    I'd just send Ex's stuff to the tip. 

    Well done on the frogs. Great news on the bathroom. I know it's been a saga over the years. Glad you are having fun with your friend.
    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
  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Sooo agree!  Hope he still reads this...!
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