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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down
Comments
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Fantastic legacy even if the original event was traumatic.
Glad that DD should make a pretty full recovery. Sounds like a very difficult time for you all.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 -
So emergency fund looking good at £8,300+. Still under pressure in day job and voluntary work but I am reminding myself that this is a phase, not my life for ever and have achieved a few wins in getting stuff off to-do lists. Exercising every day and sleeping like a log, so much to be grateful for. I'm seeing nurse on Tues for blood-sugar results but the last few times I've taken my own reading, it's been normal so hoping for a good result. I have bought a couple of coats from a charity shop and have repaired a few things. A pile is being created of Things that Need a Professional Seamstress. Nearest small city has one who will repair zips for £6! Now I'm going round all my various mending stashes and looking for one or two: I think whatever can't be fixed will have to go as there's just no point. Hope this brain dump isn't too boring; love to all Humdinger xx8
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Morning @Humdinger1,
I was just thinking about you this morning & wondering how things were going.
That is a nice chunky emergency fund. Don't we always feel better knowing these things are in place?
Zip replacement for £6 sounds good to me..I've only ever had a professional zip replacement once - it was on a boot & it was £18 even about 15+ years ago.
Clearing out is so satisfying.
F x
2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)6 -
Well done on the emergency fund, that's a good amount.
Hope the appointment with the nurse goes well.
If you've got straightforward repairs that you can't face doing yourself, it might be worth looking to see if you've got a repair cafe near you. Volunteers will fix things for free (but ideally a small donation is nice to keep the repair cafe going). They are brilliant and often will do textiles and a wide range of items."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 McGee6 -
Good morning Humdinger,Such a relif to hear things with dd is getting better and so sorry to hear of your friend. Such a traumatic experience but what a lovely legacy to be gifted.Well done on the emergency funds, def need to take a leaf out of your book
2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £105,249.61 / £122,400.00 Overpayment total: £1015.28 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 26%
2). #7 Save 1p a day challenge 2025 £360/£780
3). £2,249.06/£3000 in Investment ISA (35/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump4 -
Good news on the EF.
Great that your sugar levels are settling down too.
You've had a lot on and are coping admirably.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 10/10/253 -
Thanks everyone; it is difficult to see what you are doing well when in the thick of it. I appreciate your votes of confidence! Love Humdinger xx5
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I can relate to that too.Humdinger1 said:Thanks everyone; it is difficult to see what you are doing well when in the thick of it. I appreciate your votes of confidence! Love Humdinger xxAchieve 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 10/10/253 -
So sorry to hear how you lost your friend but I am sure she is happy to have left you money to make your life easier and happierDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest5 -
Was just thinking about you so popped over to your thread to check in with you. I too am creating a pile for the professional to deal with i have a high viz coat that has had the zip replaced - 10 or more years later it is still going strong (used for dog walking and winter riding).
The emergency fund is a good solid start - do you have a goal for it?Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!5
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