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*sigh* this is still taking a while, but moving forward (slowly!)
Comments
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Good luck with the selling. I still wonder about cancelling my vet monthly subscription but haven’t done the maths.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 -
Sounds like some great wins there.
Good luck with the selling.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 16/1/261 -
Thanks L and SH
I genuinely feel like we're more focused than we've been in the past, really keen to get saving and get ourselves more secure. I need to update my signature, but I'll wait until after pay day as it will need updating again then anyway!
We've been doing well with paying of PP, it's down to £500 now (after Feb pay), so will be gone end of March. We've kept Next empty and we've paid for 2 big school trips without having to use credit or dip into EF (which is now at £500)DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved3 -
That's a great progress.Looking forwards to seeing the updates siggy
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 -
All going ok financially, keeping to budget.
DH found out what his bonus will be and it's pretty decent, it will clear most remaining debt (exc. car) and top up the emergency fund to £1k. Not sure if it will be in March or April pay yet... hopefully March.
From there we'll continue to pay off car and then start our 3-6 month saving pot, but the bonus is a welcome boost.DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
Lovely news on the bonus.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 16/1/261 -
Lovely news!!
xxStart Total 12/12/25 £6557
Current totals: HSBC £369 Virgin £1177 Barclaycard £3026
Total: £4572
Paid off £1985 in total2 -
Fab news. Love topping up the pots but I'm a saddo!
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 -
Thanks SH, Crunchy and L
It will be nice to clear most things (again!)... we've worked out it will clear PP, CC and top up EF to £1k. We're then going to set aside the remainder for what we need for our holidays this year (we've been saving monthly, but this will fill the pot in advance) and set aside £1k for Xmas.
This will leave £1k, so we're going to put £250 into each of our personal accounts and buy a piece of furniture that we've been eying up. We probably save that final grand, but we're doing the right things with the majority of it and need (want) to do a bit of fun stuff too
He reckons he'll get it in March pay. DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved1 -
That sounds like a good compromise. Enjoy the new furniture.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
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