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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 £10000/20000 saved4 -
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 #1241 -
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 in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 -
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/her1 -
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 - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
Tesco Credit Card - £3652.32 £3270.54
*Total Debt - £10370.54/£15293.48*
Savings
*Sinking Fund - £2064.85/£3000
*Emergency Fund - £2500/£2500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1
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