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Learning to live my dreams not trample on them

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  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi BZ - he is now home. The rac guy said part should be low cost... The problem will be getting it - even if he orders it tonight off the web it is going to take a few days to arrive - so how will he get to work in the meantime? He's had a few lifts to work recently from a colleague but he can't keep asking her!!!

    Hope you get your car fixed too - I know that kind of expense is the last thing you need!

    I feel utterly miserable but it is my "black" time of the month so trying to tell myself its hormonal and has no basis in reality....
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Joining in putting hands together for you.
    I was actually wondering what you guys think of The Secret. I haven't read it but have read other similar books. Do you think people are basically praying when asking the universe for things?
    2019 fashion on a ration 0/66 coupons
  • Thanks Jellie - the part appears cheap it is the faff of getting it and fitting it!

    Had nice few hours with a friend

    I don't agree with the new age stuff of asking the universe but I will adapt it a) to praying to God and b) to as per my life coaching being really specific about my goals and developed detailed plans to support me getting there... The bible says ask and you will receive, and that with faith as small as a grain of mustard seen (pin head size) that anything is possible.... So to me they have subverted Napolean Hill's fairly Christian bible based teachings on things like Think and Grow Rich and made it new agey almost in protest.... However I have not yet read the Secret but I have flicked through it in a book shop in the past....
    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
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    Hope you get your car fixed too - I know that kind of expense is the last thing you need!

    I feel utterly miserable but it is my "black" time of the month so trying to tell myself its hormonal and has no basis in reality....
    You're doing well SH, you just need to get through the grim 1/4 week :) I'm really proud of how far you've come in the last few years - your situation now is incomparable to where you were in the pre-MSE days. Keep your pecker up :)

    Glad Mr SH is home now :)

    I could really do with them actually knowing what the problem is tbh. I don't mind spending the money as much if I know my car will actually start reliably!

    *Jellie* wrote: »
    Joining in putting hands together for you.
    I was actually wondering what you guys think of The Secret. I haven't read it but have read other similar books. Do you think people are basically praying when asking the universe for things?
    I've not read the book Jellie, so I may be speaking out of turn. And I couldn't cope with enough of the DVD to form much more than a gut reaction...coupled with the spouting MIL's friend was doing based on it... I do however think that the more negative your outlook is (and therefore the more negative things you expect) the more negative things can/will/do happen... ie. if you're a person who really fears rejection, you end up losing friends etc (and therefore end up being rejected) for being so obsessed about being rejected, iyswim?
    "I am indelibly stained by hope and longing" - Nuts in May
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    P.s. MIL's friend has since had angel wings tattooed on her, and signs her cards from "suchabody and all the Angels"...which doesn't quite sit well with me. To me it's elevating them to a higher position than they actually have, biblically speaking...

    But now I'm in danger of going off into a very deep and meaningful here and boring the pants off the casual reader ;)
    "I am indelibly stained by hope and longing" - Nuts in May
  • Morning,

    I must search out some of my Napoleon Hill, I think they're under my bed! Hope the bike doesn't cost too much.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • Morning
    SH i'd be interested to hear what you think of the Secret. I think it is clearly controversial, I read it about three years ago and it's still a topic of conversation.
    I agree with some of it, but Bigzippy's last paragraph hits the nail on the head.
    I am sending positive thoughts re the bike...
    DC.
    "Some people walk in the rain... others just get wet... " - Roger Miller
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Bummer about the bike. Hope it gets fixed cheaply and soon.
    I'm glad I got rid of my car and glad I could actually do it. Now that we've moved, I could walk to work again and it'd only be about 20mins I guess. But I like cycling, even if it's only for 5 or a bit minutes. Bf has a car but mostly cycles to work as well. I'm insured on it but atm, don't help with any of the costs (it was actually cheaper for him to put me on the insurance than not ;)).
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks for your thoughts on that BZ and SH. It seems we are in agreement. I definitely think outlook on life is important. Many of the ideas in these kind of books often seem based on Christian principles in some ways. It seems to me that the people who are using them successfully often have a positive outlook on life, look for the things to be grateful for and because they are often generous to others with time and help often find others unexpectedly help them. I'm not sure I'm making any sense as I'm thinking 'out loud'

    Hope you are feeling a bit better today SH!
    2019 fashion on a ration 0/66 coupons
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    tirlittan wrote: »
    Bummer about the bike. Hope it gets fixed cheaply and soon.
    I'm glad I got rid of my car and glad I could actually do it. Now that we've moved, I could walk to work again and it'd only be about 20mins I guess. But I like cycling, even if it's only for 5 or a bit minutes. Bf has a car but mostly cycles to work as well. I'm insured on it but atm, don't help with any of the costs (it was actually cheaper for him to put me on the insurance than not ;)).

    Unfortunately I need a car to get to work but I'd love not to!
    We are trying to walk where possible though. Having shops and restaurants so close to our new house has made a big difference to our car use!
    2019 fashion on a ration 0/66 coupons
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