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Project Mortgage Neutral Begins

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  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I thought I was so organised with my food today after my long day but I went to put my fish pie in the oven to find it hasn't defrosted enough so I guess it will be a takeaway tonight.
    This morning's course was ok although the platform they use is rubbish for tech issues.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,994 Forumite
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    Good that you have the courses to keep you occupied and growing. It is hard working through boundary issues. I had a counsellor who taught me a little about boundaries
    • 'No' is a complete sentence - no justification needed.
    • 'Sorry that doesn't work for me' is a softer way of saying the same thing - again without giving justification or info they could use against you
    • 'It's okay to change my mind'
    • If you don't want to or can't cut toxic relationships out completely - try to limit their frequency... (ie don't answer the phone, limit call time and frequency, limit visit time and frequency, give yourself a pre-agreed cut off time)   
    HTH
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    @savingholmes thank you for that.  I tried a simple no thank you to something the other day, it is a strange phenomenon to me and felt a little weird but it is a start.  The one that will be hard for me is when someone toxic or who just isn't thinking says something hurtful or cutting, normally I am so shocked and taken back that I say nothing and then it stays on my mind for a long time.  I don't spend much time in the company of people like this and normally turn the other way if I see them coming but I would like to be able to challenge them just by saying "that isn't appropriate" or "that isn't nice".  I know it is more about them than me but it isn't right.
    After a panic of getting eveything set up for yesterday's learning I have already turned all the apps on my laptop this morning.  I have a walk with a colleague to look forward to this afternoon.  We are probably going to get soaked but it will be great to get outside all the same.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Today's walk was very windy, sleety and muddy but great to have a catch up.  One more morning left of my course and an hourish of study after and I will have finished this one, ready for another one to start on Friday evening.
    It may be a little strange but I am thinking of doing something on Valentine's Day, for me obviously.  It falls on a Sunday which generally seems to be the worst day of the week for me and with all the hype surrounding it and lockdown wondering if it might help a little.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a plan. What would you do? Confetti in the bath? Candle light? An extra special meal? Why not?

    I read a book once about being angry on time as a way of reducing overall stress - something I and lots of others struggle with. I've got better at it. It was by G@1l L1nd3nfield.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sounds like a plan. What would you do? Confetti in the bath? Candle light? An extra special meal? Why not?

    I read a book once about being angry on time as a way of reducing overall stress - something I and lots of others struggle with. I've got better at it. It was by G@1l L1nd3nfield.
    I haven't a clue about the valentine's idea, I don't have a bath so that idea is off the cards.  If the weather is ok I might go somewhere for the day and take a little picnic and then have a nice meanl, something different to usual but not sure what yet.  If the weather isn't great I might just take the picnic anyway and have it in the car.
    How does the angry on time thing work?  I will have to look at this.  I don't get too angry generally but if any internal dialogue starts when I am bored/on my own it quickly descends into angry talk.  I think it is a result of not being able to voice some of my frustrations but my journalling is helping and I am picking specific guided meditations too.

    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My course has finished and I am trying to get on with my post coursework straight away rather than the usual procrastination although I definitely feel a change of scenery could be good for a little while.  Ordinarily I would go for a walk but the weather is horrible outside and I really don't feel like it, I think I need to give my brain a break for some perspective though.  I had wanted to submit it today but I think that might be a bit over-ambitious, I will definitely do it by tomorrow though.  It has been really great to work with a different group of people and share things in an open forum.  I had a great syndicate for the group work where I felt confident to share some of the areas I want to work on and they have given me some great suggestions and tips that will hopefully help in all areas of my work and personal life.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the courses are helping. 
    Angry on time - someone stands you up or is late - rather than saying it's fine. Say something on time like 'I'm sorry you were late too. I was really looking forward to x...' etc that way you are not attacking the other person but you are setting a line in the sand of what kind of behaviour is acceptable and what isn't and what your expectations are for future... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad the courses are helping. 
    Angry on time - someone stands you up or is late - rather than saying it's fine. Say something on time like 'I'm sorry you were late too. I was really looking forward to x...' etc that way you are not attacking the other person but you are setting a line in the sand of what kind of behaviour is acceptable and what isn't and what your expectations are for future... 
    I like this approach.  One of the scenarios today we got to be the mentee in the relationship so I used my turn to discuss ways I could speak up for myself in the same way I do for others.  We had a really nice open conversation so it will be interesting to see how these things work in practice.

    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Absolutely exhausted this morning.  I have really been enjoying my weekdays when I start the day with exercise and therefore do something truly for me and my wellbeing before anything else but I felt so tired I thought I ahould probably give today's workout a miss.  Instead I did a yoga session to stretch my aches and pains and I feel so much better for it.
    30 minutes and then I will be back to my laptop for more learning.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
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