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

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  • Sounds like a well thought out plan 👌
  • crunchy_time
    crunchy_time Posts: 520 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    It does sound week thought out.

    let’s make a pact to not spend husband bonus on debt next year! Ha ha! I’m hoping my husbands one at Christmas will go towards a new car at some point in the future xx
    Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds a good plan. Enjoy your new furniture when it comes.
    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
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Loving the compromise there, and great that the bonus will put you in such a good place generally too. Time for some budget rejigging then I assume? (I love a good rework of a budget!) 
    🎉 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
  • Thanks L, DITR, Crunchy, SH and EH
    We are lucky with DH's bonus, it often mops up our transgressions over the previous months :s, hopefully this year will be the reset point?
    The furniture is nothing glamorous, it's a TV unit to replace the current one which is a Xmas tree box as it was about the right size!  But it's bowing under the weight of the TV and looks a bit studenty! :D 
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Trundling along ok.  I have found swimming lessons for my youngest 2 for nearly half the price.  Currently paying £380 a term and will now be £200, they move to them after Easter.  They both want to do an after school activity costing £50-70 a term, so not much of a saving in our actual finances, but they're doing 2 activities each.  So it's better value, still expensive mind.

    We've got on the @ir fryer bandwagon, it's being delivered today.  Used Birthday gift vouchers to purchase and hoping it'll be a good investment.
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good saving on the swimming lessons. I think we’ll get an air fryer once we move. We just don’t have any worktop space. Interested to see how you get on with it. 
    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
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm right there with L on the air-fryer-once-moved situation! 
    🎉 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
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    We got a small air fryer. It's been hit and miss so far. But in the plus, the wierd one will eat chips cooked in it. So added to his very narrow diet!
    Debt free Feb 2021 🎉
  • Thanks L, EH, DAL
    We got the ninj@ dual drawer one, it's pretty big, but looks good.  Going to suss it out later in the week when I've got more time :) 
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
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