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Learning to live my dreams not trample on them

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    thanks bevan and jellie

    arm still agony :eek:- may go back to dr tomorrow

    redeemed £5 from free bingo today:beer: and £65 arrived from quidco :jfrom last May's home ins!!! Used it towards juicer recommended by consultant to improve anti oxidant intake
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    went back to doctor yesterday and got stronger pain killers and more antibiotics. Arm pain now under control and slept much better.

    Juicer arrived today with free juicing book - wish me luck!
    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
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Hope the medication change does the trick. Good luck with the juicer -mine lives at the back of the cupboard as I got fed up cleaning the b*****ing thing!
    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"
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    gilligansyle wrote: »
    Hope the medication change does the trick. Good luck with the juicer -mine lives at the back of the cupboard as I got fed up cleaning the b*****ing thing!
    medication has helped - not in so much pain now

    juicer - made 1 so far. all relevant parts go in dishwasher - put it on straightaway

    banana, orange, kiwi and apples plus icer - used blender too!

    Tasted nice - kids and OH also happy

    will try other recipes when get food delivery tomorrow
    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
  • milann
    milann Posts: 11,506 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hi SH

    Sorry to hear you have been in hospital and having a bad time.

    The idea of taking lump sum seems sensible as it will relieve the worry of the debt from you both if you are off work any length of time - you can always sort out something to make up the loss of pension at a later date.

    Hope dd's itching improves soon too.

    Take care and don't go rushing back to work too soon.

    Milann
    January spends - £587.58
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Hey SH

    Glad they've given you something to manage the infection better :)

    I love the idea of a juicer, I almost bought one with our wedding money as my Aunt gave me a book with recipes for juices, decided to go for more practical things instead, will get one eventually :)

    I hope DD is feeling better now

    Sorted the website issues, launch isn't too far away now :D

    Take care x
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    thanks bevan and milann

    Well my arm is a lot better today so hope I am finally on the mend. A friend took me to Debenhams yesterday and I bought some new nightwear and a dress (for going on a date with husband lol) - he liked it! I played on wii xfactor with son last night too so things are looking up.

    Was able to give 2 handed (armed) hugs today which was great - haven't been able to do that this week until now.
    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
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Yay :) Brilliant news, I like the date idea too, really should convince DH it would be a good thing to do, will see how Valentine's Day pans out as we are both working :o But he does finish around the same time as me .......
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • milann
    milann Posts: 11,506 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Pleased to hear you have the use of 2 arms again. Take things easy when you do feel better - build up slowly.

    Milann
    January spends - £587.58
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Pleased to hear you are feeling better, juicers are probably much easier with a dish washer.
    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"
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