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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down

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Comments

  • Humdinger1
    Humdinger1 Posts: 2,450 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Was just thinking I should update @savingholmes...will get to it ASAP! Love Humdinger xx 
  • KajiKita
    KajiKita Posts: 8,501 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hello 😊
    Thank you for swinging by my thread and saying positive things 😊 Thought I would pop in and repay the compliment!

    Seriously impressive debt reduction! And absolutely excellent news about heading off the diabetes. I’m at risk of developing it (I have an over active immune system apparently) so I am conscious of reducing sugar intake (don’t drink fruit juice any more, avoid sugary drinks of all other kinds including artificial sweeteners and other things) but you have given me some further ideas on how to reduce / manage my overall carbs too. Thank you. 

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 59books of target 52 in 2025, as @ 18th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with DD learning her lesson. 

    Hope the blood test goes well.

    Hope you find fresh avenues to explore to bring in more income.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • doingitanyway
    doingitanyway Posts: 10,406 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Good luck with your bloods. Sounds like it should be fine  :)
    I like that you are investing in 'fun and frolics' not just future self. I want to do that too...

    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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