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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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Was just thinking I should update @savingholmes...will get to it ASAP! Love Humdinger xx3
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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.KKAs 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.3 -
Thanks @KajiKita and @savingholmes! So a while since I updated. The headlines include:
Dd perhaps still on a learning curve re the balance of saving vs spending. She was nearly up to the interest-free limit of her overdraft before she told me. Lessons have been learned; she has paid it off through working; some loaned money and some presents.
I have come to the conclusion that my most lucrative work has gone away, possibly for ever, certainly for now. However, I have other income streams in the pipeline and at least I have had my LBM. I am worried about people who haven't or who have but are in a massive hole and will struggle to get out without a block and tackle.
I have to make an appointment for annual blood sugar checkup. I know I'm generally doing the right things but still feel nervous.
Onwards and upwards love Humdinger xx9 -
Overdrafts are such a nightmare! Easy to use difficult to get rid of. Hopefully a lesson learned. Hope the bloods go ok.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 #1246 -
Good luck with the bloods. I'm nervous to book mine!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5
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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 10/10/254 -
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) 25/0720254 -
I have booked 2 medical appointments: one to get blood taken, and a follow-up a week later to discuss the results. I did wait till my pinprick test results were normal and have since been exercising like a fiend and keeping to an ultra low-carb diet. Onwards and upwards love Humdinger xx8
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Hope the results are good. Fallen off the low carb wagon.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 #1246 -
Good for you, hope all goes wellhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 59
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r65
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