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From debt to freedom...

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Comments

  • Dakota_Rose
    Dakota_Rose Posts: 458 Forumite
    100 Posts Name Dropper Photogenic

    This is just happiness in a post. Thank you for sharing 😊

  • Cherryfudge
    Cherryfudge Posts: 15,081 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    That Easter egg hunt sounds great fun! I'm sure play is good for all of us (my evidence is how much fun I have playing with very young children).

    And tea on the beach - of such things are dreams and memories made…

    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 21/3/22
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    My DD is now almost 23 and this is the first year she's not had an Easter egg hunt… I think there is something magical and playful about continuing these type of traditions.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,939 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper

    A quieter day yesterday mostly spent on work prep for Job 1 and then a shift at Job 2. I did have an hour in the morning where I did a financial review. I used to do them every month and fill in my hundred square to reflect any changes. To my shame I hadn’t done one since October 😳, but good to see progress to date. I also planned the next few months in light of changes to the electricity direct debit and ongoing costs for DD.

    paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
    2026 savings challenge £0/£2000
    EF £140. Savings 2 £2.17
  • Spendless
    Spendless Posts: 25,239 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 16 April at 8:52AM

    Are you still on Easter hols from job1 HSL? Schools here are back.

    Glad youve got to have some family time. Theres a canal runs at the end of my village. I love doing a walk with a friend along there, very good for confidential chats, as you can see who is in front, hear who is behind and no one else can be at the side - haha.

    Always good to update a financial review. See what youve acheived and what future plans need to be made.

    Has DD found student accommodation for next year yet?

  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    The walk sounds beautiful as ever you have a lovely way with words.

    Well done on the financial review - hopefully it gave you a lift.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,939 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper

    Thank you Spendless and SH.

    Yes we are still on the Easter break and go back on Monday but we didn’t finish until Maundy Thursday!

    DD had an email last week inviting her to apply for a second year place in halls which she has done. She has requested a different halls building though. We had looked at all kinds of options such as large towns outside of London and commuting in as the student accommodation costs are £200 a week cheaper but this offer came up so she is going to be in halls again. At least I know we have covered these costs this year and she is in walkable distance of her uni.

    Yesterday was a mixed day… got some more seed sowing done. Sowed some zinnia seeds which I have tried once before but they got demolished by slugs. Hoping these will take well. Also did a third sowing of peas.

    DH has given me an Easter gift of a huge shelving unit rather than an Easter egg, so that I can get more growing room in the porch than I currently have, so we put that together. I think I can double growing space and still have shelving left to store pots, tools and compost 🥳. Did a shift at Job 2 in the evening…seem to have a run of shifts this weekend as people are away so trying to pace myself.

    paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
    2026 savings challenge £0/£2000
    EF £140. Savings 2 £2.17
  • Cherryfudge
    Cherryfudge Posts: 15,081 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Ooh, I would love big shelves to grow things on! I think you will make better use of it than I would, though. Have fun!

    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 21/3/22
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