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



  • Humdinger1
    Humdinger1 Posts: 1,932 Forumite
    First Anniversary First Post Name Dropper
    Was just thinking I should update @savingholmes...will get to it ASAP! Love Humdinger xx 
  • KajiKita
    KajiKita Posts: 4,432 Forumite
    First Anniversary First Post 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. 

    As at 15.05.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £251,152 end date brought closer by 2 months  
    - OPs to mortgage = £6,785 , Interest saved £2,522 to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 29 books of target 52 in 2024 (as @ 8th July)
    Produce tracker: £111.19 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 27,901 Forumite
    Name Dropper First Anniversary Photogenic First Post
    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 by mid 2030
    1) MFW Nov 21 £201,999 with 234 payments to go - now £181,773 Equity 27.3%
    2) Spend on handyman & external building works & new patio door £13.45K
    3) CC £8K on 0% spends card but offset by £34.3K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £11.3K/£127.5K AVC target 8.97% value at 15/7//24
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.3K at 12/7/24
  • doingitanyway
    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.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
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