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From debt to freedom...

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  • Spendless
    Spendless Posts: 24,649 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Glad you had a lovely time for DD2's birthday. Yes it'll make things tighter this week but the memories will last longer than the 'tight week' will. Positive steps with the ex too. 
  • Cherryfudge
    Cherryfudge Posts: 13,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Just what @Spendless says: those memories are special, and so is the apple amber. :) I love apple season!
    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
  • Thank you SH, Spendless & Cherryfudge...you are right, the memories will last much longer than the tight week! Just having my children in the same place at the same time is wonderful. Funny how something that I took for granted as everyday, changes as they get older and these moments are so precious now.

    Today has been a fairly relaxed day. Got quite a bit of work done for Job 1 for next week. Met up with SO and went swimming with my youngest 2 and his children. They all got on well and enjoyed the time in the water 🙂. 

    Quite a full on week next week, despite having tomorrow off. Meetings seem to fill Tuesday and Thursday and have 3 evenings in a row at Job 2 which will be interesting. The hours will start to reduce soon as we head deeper into Autumn so am grateful for the shifts thus far.

    Still can’t quite comprehend the Queen being gone. She has been a wonderful constant in the changing times in which we live. Will have to find someone with a TV tomorrow to be able to watch the funeral.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Glad you have had some time off at least and spent it enjoying yourself as well as catching up on work.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • lucielle
    lucielle Posts: 11,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you got to see the funeral. I understand what you mean about having all your brood together. Mine are all here today, first time for ages and first time in the new house. 
    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
  • Cherryfudge
    Cherryfudge Posts: 13,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Did you manage to see the funeral? I found it very moving.

    How nice that your children and SO's got on with each other!
    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: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the mortgage.

    Good that you have cleared so much out.

    Sorry about the boiler. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Cherryfudge
    Cherryfudge Posts: 13,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh no! to the boiler and oh yes! to the decluttering. It sounds like a huge job, but you are claiming your home as your own.


    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
  • Spendless
    Spendless Posts: 24,649 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    30 bags of 'stuff'. Wow. No wonder you were feeling overwhelmed with it all. When you don't understand what an object is and it's purpose and it's not yours, it makes it difficult to deal with.  It'' ll be so much better for you once exes stuff has gone, both emotionally and in creating the space for you.

    Totally understand the feeling of getting nowhere before the next bill hits!  Hope the boiler replacement isn't too expensive. It's frustrating but you're in a better place financially now after making all the inroads into your debt.

    I'd not thought about the mortgage chaos and how it could affect you. Pleased to hear it was already going through. 


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