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From debt to freedom...
Comments
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Being at one with the soil is very grounding.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 -
Hope you get to enjoy some walks this weekend.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 16/1/260 -
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.2 -
Thank you Lucielle, SH and Kittykattykate.
Kittykattykate- yes SO contributes by buying all of
the food which has allowed me to cut back on a shift at Job 2. His approach to food buying is different to mine but he is mindful of the need for high iron foods!! We both pay for activities at the weekend if we take the combined children out. After we’ve got married ( and got through those costs) I hope to quit Job 2! SO would prefer me not to do Job 2 as he is concerned about the amount of hours I’m working. We’re not planning a big wedding, just close family and a couple of friends but even small weddings have some cost element!!
The last working week has been very challenging. I’ve been moved around in Job 1 and it has meant a different cohort and lots to figure out!
I had to go to hospital this week and was so relieved to find out that my latest blood test results show my iron level is back to normal. We are all very thankful and relieved.Had a lovely evening with DS1 and his fiancée. He is coming around more and for that I am hugely thankful.paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.178 -
Lots of positives in your post. Wonderful to read DS1 has turned a corner.Have you picked a day for your wedding?
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 -
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!2 -
Glad your iron is back to healthy levels.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 -
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 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.172 -
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. x3 -
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 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 16/1/260
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