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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 el - how are things with you?

    The pain has been a little better today - hopefully I am on the road to improvement / healing

    I'm counting the hours between painkillers a little less
    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
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    that is a very positive sign saving very positive ... i remember when my shoulder was in agony and i was like you ... one of the signs that i was improving was how long i could last between pain killers ... i started to feel overwhelmed with it all at one point .... remember you can take anti inflammitries between the pain relief ( i was popping every two hours at one point )

    i am doing much better thanks for asking ... back again after a wee break so ready to hit the debt down again

    hope the pain eases for you
  • Happy new laptop!
    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"
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hope your arm is continuing to get better.
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi el - glad you are back

    gill - yes shiny new red laptop literally - very nice - just painted nails to match lol

    jellie - arm is getting a bit better I hope. I have been longing for the weekend all week but really could do with doing some work before Monday as I am so behind. I do owe them a few hours due to medical appointments and finishing early due to pain so it is not altogether surprising that I didn't get thro everything

    Well DD is now back home safely. DS yesterday cleaned some of the house which was a big help and lifted our spirits. Just had a lovely loaded skins tea - same as I made last night - I made enough for 2 nights. Diet still on track. So things within my control going well

    Have a good weekend all! Not sure what we will do. DD is nagging for swimming. Might take her even if I only sit on the side it would make her happy
    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
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    yep ... i know that excercise and especially swimming is good for you .... but .... only when it reaches a certain stage ... at first youve got to take it easy and rest it up
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes El you're right - I am still recovering from the anaemia as well as the nerve damage so need to take it slow. It will be such a relief once the nerve pain finally goes! Its irritating as at least with an obvious injury you get more of an idea of how well something is healing - with invisible nerve pain it far harder - plus little sympathy lol

    I had a blood test this morning - not had the results back yet which is a positive sign at least. Will be interesting to know what they are though
    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
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    fingers crossed the results turn out great ... i am sure they will
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks El

    Well I am alive and it is a beautiful sun-shiney day.... oh and I have only been up half an hour lol Tramadol really does work on the sleep front...!

    DD is still nagging about swimming so it will probably happen in some form - for her, I may just sit and watch. Depends how brave I am feeling. At least it would make for a low cost saturday and yet still get us out the house.

    No urgent need for a food shop either I don't think as I did a shop a few days ago.

    I still need to do some extra work - I think at this rate it is highly likely that will end up as sunday night lol
    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
    Well we went to the gym as a family and went in the pool. I also went in the hydro pool after a bit. We then went to pizza hut which was not good for my diet!

    Arm not happy - had to take tramadol tonight...
    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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