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Fresh start....

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Comments

  • Karen_30
    Karen_30 Posts: 823 Forumite
    Having a bad week food, exercise and money wise....work is a mare and to be honest I could just chuck it all in....but I won't obviously ;) Think the old pmt is making it even worse....time for a cuppa and chill out.

    Fresh start next week after wend camping....hope everyone is well. xx
  • babyhead
    babyhead Posts: 731 Forumite
    Sorry you are having a bad week.

    Don't do anything too rash with work - perhaps the chill out camping will help. Have a good time!

    Ooh...those figures are coming down nicely aren't they? looks like going it alone has paid off (no pun intended lol) xx
    DFW Nerd #1152
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    pmt is awful! Know that feeling.... You are doing so well!
    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
  • Primula
    Primula Posts: 953 Forumite
    Chocolate?! Works for me, well short-term anyway!
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Karen_30 wrote: »
    Having a bad week food, exercise and money wise....work is a mare and to be honest I could just chuck it all in....but I!won't obviously ;) Think the old pmt is making it even worse....time for a cuppa and chill out.

    Fresh start next week after wend camping....hope everyone is well. xx

    Oh Karen, take a deep breath and get through it! We all have weeks like that :mad: but you are doing really well :D
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • Primula
    Primula Posts: 953 Forumite
    Where are you hiding out Karen? Hope all is well?

    P
    x
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hi guys,

    Sorry not posted but a bit of a mess at the mo. OH and I have split up (his choice not mine) and I am struggling to deal with much at the minute.

    Thanks for your posts xx
  • Primula
    Primula Posts: 953 Forumite
    Karen, I am so sorry, I truly am. I've sent you a wee PM.
    xxx
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Karen_30 wrote: »
    Hi guys,

    Sorry not posted but a bit of a mess at the mo. OH and I have split up (his choice not mine) and I am struggling to deal with much at the minute.

    Thanks for your posts xx

    Oh Karen - my heart goes out to you :A
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm really sorry to hear that Karen HUGS - if you want to pm me feel free...
    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
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