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From debt to freedom...
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Sweet peas picked last night.paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.1711 -
@Honeysucklelou2 this is just such a wonderful update! Thrilled for you love Humdinger xx1
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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) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 16/1/261 -
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 21/3/222 -
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 @ 03/2019: £125,000, Now: £49,614.75
Mortgage OP’s: £22,109.28
SHTF pot: 725/10002 -
Same here, no sign of any flowers.LTotal 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 #1242 -
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 !!1 -
Beautiful flowers and lovely to hear about the mortgage and that you've also done a small re-payment. I love elderflower.2
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Those sweet peas look gorgeous.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 16/1/261 -
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. x1
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