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From debt to freedom...

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Comments

  • lucielle
    lucielle Posts: 11,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Being at one with the soil is very grounding. 
    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
  • savingholmes
    savingholmes Posts: 29,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get to enjoy some walks this weekend.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
    3) 44.5/82K = 54.26% AVC Goal by mid 2028
  • Congratulations on your engagement, Honeysuckle! I wish you every happiness for the future.

    The tips situation sounds really unfair. 😡

    Does your SO contribute to food and other running costs when they stay over weekends? Perhaps you can say goodbye to job 2 when he moves in.
  • lucielle
    lucielle Posts: 11,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lots of positives in your post. Wonderful to read DS1 has turned a corner. 
    Have you picked a day for your wedding?
    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
  • SO sounds wonderful, Honeysuckle. I remember you saying how much he has helped you cart load after load to the tip.

    I’m so glad you’ve met him. Nobody deserves to be happy more than you!
  • savingholmes
    savingholmes Posts: 29,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your iron is back to healthy levels. 
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
    3) 44.5/82K = 54.26% AVC Goal by mid 2028
  • Thank you Lucielle, SH and Kittykattykate.

    We are trying to sort out details at the moment. We’ve narrowed it down to 2 potential dates but need to  decide on which one!

    Payday was on Friday so another £300 paid off debts today as the direct debits went out. Chipping away…
    paydbx2026 #19 £3324/£6000 . Mortgage start £148k June 23 - now £133k.
    2026 savings challenge £0/£2000
    EF £140. Savings 2 £2.17
  • Chipping away will slowly make huge dents.

    Very exciting year ahead. 
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • savingholmes
    savingholmes Posts: 29,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 9 February 2025 at 10:53AM
    Well done the debt payment.  

    Good that you are getting closer to a wedding date. Feel free to ignore me but I'd want a pre-nup if I ever remarried. 
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
    3) 44.5/82K = 54.26% AVC Goal by mid 2028
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