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*sigh* this is still taking a while, but moving forward (slowly!)
Comments
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We want to bulk our FFEF up to £20k but that will at a slower pace, we’ve worn ourselves out!
Kids are doing well, DD1 and DS1 both enjoying their apprenticeships. DD2 currently doing GCSEs. DS2&3 are trundling along nicely at school.
Work is fine, I’m doing 2 days per week NHS and 1-2 days a week agency and it’s earning me a nice amount without being stressful.DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!4 -
Great to hear from you. Well done on the car sale, I remember it was a bit of a bone of contention.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 -
Huge congrats on getting out of debt and kick starting the EF.
Well done on disposing of the second car - that was a huge win. Glad you are enjoying your work life balance more.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 20281 -
What a brilliant update - well done you!
And yes I recall the debates around the second car too - good on you for winning that one!🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Have you considered getting a cheap run around for the 2nd car if needed? Sounds like you've made alot of progress over last 10 months. Regarding moving, I don't think there is ever a good time for it. Sometimes you just have to bite the bullet and do it.*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Nearly a year since I last updated 😮
I couldn’t figure out how to log in via the app, so had to do it the old fashioned way.
Money wise, all been good. We carried on saving and got up to £20k as planned.
Beginning of this year, I had a cancer diagnosis and am still undergoing treatment. Bit of a shock at the time as I have no family history and live a healthy lifestyle. But as the oncologist said… you’re over 45 and female, that’s all it takes!
VERY grateful we had our finances sorted as I’ll be off work for a long time and although I get sick pay it’s 6 months full pay and then 6 months half pay (grateful to work for NHS for this). Having no debt and a FFEF is fab.
I’m planning on using this diary to help me keep on track with finances as I’m hoping to navigate my sick leave without having to dip into our emergency fund too much!
DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!4 -
Oh my goodness, so sorry to hear your news! ((Big Hugs))
Hope you're doing as well as possible given the circumstances and what a relief that your finances have been in such a good place to take the pressure off you and your DH at this time.
It's good to see you posting again, look forward to cheering you on x
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600 Current Total 01.08.26 £297
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Looking forward to cheering you on too. I know someone many people who've had this diagnosis. All have recovered and are leading happy lives. Love Humdinger xx
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Great to hear from you. Sorry about how it’s come about. Keep posting.
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 #1241 -
Hi DITR
Good to hear from you.
I’m doing ok thanks, having 6 months of chemo and immunotherapy before surgery and radiotherapy. I have a few days a month I feel rubbish, but on the whole I feel pretty normal.DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!4
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