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From debt to freedom...
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The food sounds great. As does your sink planter
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 29/7/250 -
6hrs is a long time without a break, surprised the change for accepted so easily. But at least it explains why my supervisor tells me off for not taking my 20 min lunch break all time 🙃*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
I used to have to enforce it as it’s unpaid so some of my staff didn’t ’want’ it when doing a 7 hour shift.Planter sounds fab, I keep looking at growing coriander as we get through so much of the stuff !Sealed pot challenge 822
Jan - £176.66 :j3 -
Thank you Cherryfudge, SH, Dawneybabes, Lucielle and Sarahwithlove.
I’m really pleased with the repurposed Belfast sink and SO is happy to have some fresh herbs to cook with!!
Last week was a strange week. I ended up doing another 14 hour day straight after the 15 day. It was a combination of getting in early to Job 1 and ending late at Job 2. It has however, prompted a discussion at home. Long story short DD3 and SO have persuaded me to cut back on my hours at Job 2. It will go quieter after the end of September anyway, and the shortfall will be balanced out as SO is chipping into the food budget.DS3 had his birthday last week, so only expenses over the weekend was paying for his birthday party.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
I think that’s really sensible - I often marvel at the hours you work and wonder how you keep going. I’m glad your SO and DD are looking out for your wellbeing.I think your DS3 is roughly ages with my DS (mine will be 9 on his next birthday in December?). I hope he had a brilliant party!Part time working mum | Married in 2014 | DS born 2015 & DD born 2018
https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1
Consumer debt free!
Mortgage: -£128,033
Savings: £6,050
- Emergency fund £1,515
- New kitchen £556
- December £420
- Holiday £3,427
- Bills £132
Total joint pension savings: £55,4252 -
29 hours in 48 is a lot of work! I find taking on extra is addictive, particularly when the finances are tight, but I'm glad SO and your daughter persuaded you to reduce the hours.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 -
Im pleased to hear you're cutting back at job2. Ive long wondered how you manage to juggle everything and the impact it must have on you.2
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Spendless said:Im pleased to hear you're cutting back at job2. Ive long wondered how you manage to juggle everything and the impact it must have on you.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 29/7/251 -
Good news about SO chipping in with food costs so that you can cut back on hours. Hopefully you get a better work and life balance.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Thank you Bluegreen143, Cherryfudge, Spendless, SH and Sarahwithlove.
Yes Bluegreen143, you are right. My DS is now 9.
Main expenses so far in September have been DS’s birthday party. I didn’t go for a whole class extravaganza ( too much like work!!), so he had a few friends to go to a local theme park. We had lunch there and I dropped them home. That came to £170.
Good news is that the electricity company have reduced my direct debit. I’m thankful for this as last year they doubled it, which resulted in me paying £400 a month for a while, until I ended up asking for reimbursement and getting some back. The new figure is £187 which seems much more reasonable.
The new hours at Job 2 start in October. I’ve spoken with my manager and emphasised that I enjoy the job, it’s just trying to sustain both jobs for the hours I’ve been doing is tricky. The manager has been understanding.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173
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