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From debt to freedom...
Comments
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View from the cliff top.
paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.174 -
Beautiful pic. Bless you enjoying a rare time at home alone. The last time I got excited about having the house to myself was during the pandemic when for some reason DH and DD were out at the same time. We'd had weeks/months of all 3 of us at home 24/7. DS having chosen to stay in his student digs with his then house-mate, who today is DIL. Nowadays I spend almost 50% of the week by myself.2
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That's beautiful. I enjoy the sound of the waves crashing. It's one of my favourite things. X
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x2 -
What a breathtaking view, just stunning. You are so lucky to live close by.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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What an amazing view!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 view.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 #1241 -
Stunning view. Not surprised you find it uplifting.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
Wow what a viewOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,756 Owed = £10,8742
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Thank you Spendless, Cherryfudge, SH, SA, Willowtree222, Lucielle and OBL. I do feel very blessed to be able to live where I do and to have grown up with such views. I often remind my children that we must be thankful and not take it for granted.
Back to early starts today and Job 1. It was lovely to have a week to just be. The lettuce seeds sown last week are through as are the cornflowers. I always love this time of year!
Moneywise, I am conscious that spending on food is rising again. I think some is due to prices and some down to balancing feeding 5 for much of the week and 9 at the weekends. I’m still menu planning but need to be more efficient.paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.173 -
Can understand the food issue. I go through the same thing, with just me (and the dog) for most of the midweek, then doubles with DH here Fri-Mon. Smaller numbers but same principle. It's hard to work out what is needed. I seem to have 3 scenarios, loads of food, empty shelves or my current state not enough food that goes with; something else!3
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