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Desperate
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Hi just wondered how you were doing? A problem shared is generally a problem halved. I would involve your husband in resolving the debt and work at it together. We do our best financially when we both understand where we are at and what we can afford and what we can't afford just now. Having suffered PND twice I know how easy it is to slip into "awfulising" and imagine things will never get any better - however my kids are now 7 and 12, we live in a bigger house and have a lot less debt that we did say 5 years ago. People say are kids are a credit to us and my DS says I am the happiest person he knows. I still take anti-depressants to help me stay that way but in general life is better. The light in your tunnel will switch back on - give it time, and ask for help from those around you.
HugsAchieve 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 10/10/250
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