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From debt to freedom...

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So sorry Ex is still causing issues. 

    The pressure in the boiler system - I was always told to try and keep mine between 1.75 and 2 - but that's no help if you have a different kind of boiler to me. At least you know now though what to do if it happens again.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Could it be the ex who sabotaged the heating? That man is unbelievable.
  • Onebrokelady
    Onebrokelady Posts: 7,912 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Just caught up with your diary and just want to say congrats on being free at last. I can't believe you ex is still being a pain, hopefully he will give up at some point . The low pressure in the boiler could be due to a leak. Mine was doing it regularly and I had a tiny leak in a pipe in the kitchen. They do also lose pressure sometimes with no obvious reason so just keep an eye and see if it's a regular thing. 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Spendless
    Spendless Posts: 24,778 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hmmmm am tempted to think that either he found out somehow or as much as I'm loathe to put this idea in your head, he continues to come round when everyone is out, he just got caught out by DD3 being unexpectedly  at home. Could just be co-incidence of course but I'm just cynical. Speak to your solicitor though about it 
  • janb5
    janb5 Posts: 2,680 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Sadly solicitors wlll charge..maybe ask CAB as they have legal advisers.
  • Thank you Spendless and Janb5.  Hadn’t thought of CAB…

    Had more interaction with the solicitors this week as the ex is trying to prevaricate over the last form that has to go
    through the courts *sigh*. 

    Payday for Job 1 was on Wednesday. Have paid some more off debts so will update the figures shortly.  It’s been another very busy week so am hoping for a calmer weekend to recharge my batteries!




    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: 11,576 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gosh your ex really doesn’t know when to give up. Keep going you’re doing really well. 
    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
  • Spendless
    Spendless Posts: 24,778 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hmm the last document to be signed and appearing at your place the other day seems a bit co-incidental to me. Did he know about this document before his visit?  Back to trying to control you - been down this path before (pardon the pun!). He's not learnt his lesson that it doesn't work. Unfortunately it just becomes time consuming and costly for you.

    After this document is done with is that the final tie severed (other than anything to do with the children

    Well done on paying off more debt. You're getting there. 
  • It must be so frustrating. I'm angry on your behalf just thinking about him and his exploits 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
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