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*sigh* this is still taking a while, but moving forward (slowly!)

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the car decision. 

    Congrats to DD that's phenomenal.
    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 29/7/25
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cars are a nightmare!  That’s brilliant regarding DD!  
    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
  • savingmore
    savingmore Posts: 661 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Just delurking to say I follow yr diary.  What apprenticeship is dd1 doing that she earns £33000?  That’s amazing.  
  • Crazycatlady2
    Crazycatlady2 Posts: 1,074 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    Was going to ask same 😂 my son doing a level 3 teaching assistant one and on minimum wage. He finishes soon and don’t know what doing next tbh 
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news all round - and what a turnaround in DD from where you were at a year ago - that's brilliant! Good for her though - I guess it was a bit of a steep learning curve into adult life when she got into the working environment!

    Exciting about the movement on the sticky question of the cars too - that sounds far more positive. I confess I'm feeling quite guilty at the moment about my car situation - mine seems to rarely move these days and I do feel that probably I ought to get rid - but the issue is that when I DO want to go somewhere it makes that possible - travelling to airshows etc by public transport with a suitcase and a heavy camera bag really wouldn't be much fun, for example, and there are a good few you simply can't even really access without a car, so...Had a chat with MrEH about it and we've agree that it makes sense to take some of the mileage off his by me using mine for the commute on days when it's only me going in...that would actually suit me anyway as I  much prefer driving mine! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Oooo… such a long time since last update! For those asking about DDs apprenticeship, it’s in accountancy 😁
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh hello! Welcome back - how's it all going with you?! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Debsnewbudget
    Debsnewbudget Posts: 893 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Welcome back
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello stranger!
    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
  • Lonelygambler
    Lonelygambler Posts: 418 Forumite
    100 Posts First Anniversary Name Dropper
    Hey, what podcasts have you been listening to? 

    The diary of a CEO
    High Performance 
    Martin Lewis 
    The therapy crouch 
    Casefile 

    Those are a few of mine. 

    LG 
    Gambling Addict - Acting now before it's too late. Gambling losses well over 25k. 

    Current Situation Started Posting in Apil 24:
    Unsecured Personal Debt - July 2025
    Natwest CC 0% - £3000 (Cleared November 2024)
    Lloyds CC 0% £4500 - £900
    Barclaycard CC 0% £12,567 - £7700

    11/6/24 - 17 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life. 
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