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*sigh* this is still taking a while, but moving forward (slowly!)
Comments
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Sounds like a well thought out plan 👌2
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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 xxStart Total 12/12/25 £6557
Current totals: HSBC £369 Virgin £1177 Barclaycard £3026
Total: £4572
Paid off £1985 in total2 -
Sounds a good plan. Enjoy your new furniture when it comes.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 -
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
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 -
Thanks L, DITR, Crunchy, SH and EH
We are lucky with DH's bonus, it often mops up our transgressions over the previous months
, 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!
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved3 -
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 saved2 -
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.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 -
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
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/her3 -
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 🎉3
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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 saved2
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