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From debt to freedom...

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope DD recovers quickly 

    How annoying re Ex and DS1... I have no words.
    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
  • Spendless
    Spendless Posts: 24,670 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I forgot to say Lou please keep evidence of any conversations you and ex have re the shed. Verbal discussions/ messages can't be proved! 
  • Watty1
    Watty1 Posts: 6,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just caught up.  As ever there are no words for some ex's are there.    Evidence what you can in case you need it as always but i know there is so little the police can really do.    
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Have you got a security camera up and can it be attached to your phone HSL?
  • Sun_Addict
    Sun_Addict Posts: 24,043 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m lost for words about your ex, he’s unbelievable 🤬How lovely to have such a beautiful beach to walk on and unwind. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    You are amazing @Honeysucklelou2.  You're protecting yourself and your children, living your life and not allowing bitterness to waste your time.  Love Humdinger xx 
  • Spendless
    Spendless Posts: 24,670 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What a beautiful pic and the colour of that sky - you wouldn't think it was still May - Wow! I thought you hadn't posted much about trips to the beach/sea lately, glad you went.

    Yes quite possibly ex has realised he may be chancing it too often if he continues to ignore legal stuff. Fingers crossed. Good news about the car, definitely give them a call so you're not paying twice, though if they say too late nothing we can do already paid for, at least see if they'll negotiate something else for you. 

    I'm looking forward to hearing all about the wedding. 
  • Cherryfudge
    Cherryfudge Posts: 13,233 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What a gorgeous picture! I can just feel the sunshine.

    I'm glad you got some time off and a visit to the beach.
    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
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