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From debt to freedom...

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Comments

  • Humdinger1
    Humdinger1 Posts: 2,866 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    @Honeysucklelou2 this is just such a wonderful update! Thrilled for you love Humdinger xx 
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on your first OP of the new mortgage. Wish mine had an app it would be so much more motivating.

    Hurrah for sweet peas.

    Glad you got some time off. Sorbet sounds nice.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • Cherryfudge
    Cherryfudge Posts: 14,715 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Woo - the new mortgage is underway! That's great, a line drawn under the past and a foundation laid for the future.

    Do you know if there's a best time of day to pick elderflowers please? I know some things are best before the heat of the day but my elderflowers are currently being baked by the heatwave.

    Those lovely sweet peas are the essence of an English summer. :)
    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
  • MeandO
    MeandO Posts: 3,342 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 15 June 2023 at 10:27AM
    Beautiful sweet peas HSL2. I love sweet peas but mine don't seem to be doing much this year, I have a feeling I put them in too late. 
    Mortgage at highest: £132,500 Now: £52,198
    Mortgage OP’s: £25,909.36
    OP targets 2026:
    Sub a/c 1: £507.93/£2402.79
    Sub a/c 2 £1479/£1479 ✅
    Sub a/c 3: £1062.15/£1062.15 ✅
    Sub a/c 4: £750/£750 ✅
  • lucielle
    lucielle Posts: 11,757 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Same here, no sign of any flowers. 
    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
  • Watty1
    Watty1 Posts: 7,988 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just caught up. Wonderful update and love the sweet peas too!
    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 !!
  • Spendless
    Spendless Posts: 25,126 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Beautiful flowers and lovely to hear about the mortgage and that you've also done a small re-payment. I love elderflower. 
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those sweet peas look gorgeous.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • Willowtree222
    Willowtree222 Posts: 8,431 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Another thinking the flowers look amazing.

    Ots great being able to be more in control of your mortgage. I'm glad that it is easier for you. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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