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Onwards and the debt goes downwards!

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Comments

  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your time away.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,812 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Glad you got there safely. Sounds a challenging drive! Have a great time.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000     EF £140. Savings 2 £30.00. 17
  • Blackcats
    Blackcats Posts: 3,918 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    The drive sounds a bit hair raising but the destination is worth it.
    enjoy your time away 
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,256 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hope you have a lovely break and Happy New Year xx
  • lucielle
    lucielle Posts: 11,526 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays walk, it was quite icy this morning but seems to have disappeared. We aren’t normally a family that does New Year preferring to be in bed by 10. As we’re up here thought we’d go to the local town and experience Hogmanay. Hopefully I’ll stay awake!  
    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
  • lucielle
    lucielle Posts: 11,526 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays walk to Lorgill. 
    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
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,256 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Stunning photos and by the looks of things you have good weather and the sun is shining.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year. 

    Beautiful photos.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,526 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hoping to go to our favour beach today, need to check the tide is out before we go.  There are reports of lots of black ice so need to factor that in. 
    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
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    What wonderful photos. I must embrace the beauty of where we live more. We are only half hour from the edge of the new forest and I love it, but never carve out enough time there.
    Debt free Feb 2021 🎉
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