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Project Mortgage Neutral Begins

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Comments

  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Make sure you stay warm too - now is not the time to skimp on your heating!!
    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
    edited 14 February 2021 at 1:47PM
    I suspect my plans for today will be going out of the window a little bit. I have felt ill on and off recently, my stomach hasn't felt very settled and today I just can't get comfortable  :'( looking back through my journal (a definite bonus to keeping it) I first wrote last Sunday that I hadn't felt great for a couple of days, I am back in bed trying to get comfy but nothing seems to be helping. Hopefully it will ease but I think I might need to get in touch with our doctors tomorrow although I have no idea what the procedure is at the moment.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • I hope you feel better soon  :* 
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I guess by default today was all about self-care but not in the way I had planned.  I have done plenty of sudoku, read a bit, watched some winter sports on tv and eventually after easing my stomach a little with a hot water bottle I managed to go out for an hour's walk up and down on the pavements behind my house which are on a main road where the pavements have a clearing from the snow.  I did plan to do loops of my estate but as I turned to walk on the snow straight away it seemed far too strenuous for me.  Just been in the shower and am now back on the sofa under a blanket.  No baking or nice dinner, baked potato and tuna in the hope it is not too much for my stomach.  I will see how I am in the morning, hopefully all will be fine.
    I have just done a mid month check of my money, I have about £161 not accounted for in my account.  I will probably have fuel money left at the end of the month and maybe even some of the spending budget as both are looking really healthy at the moment so there might be a good amount to transfer into savings in two weeks time.
    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
    Sorry you've not felt well. Hope you feel better soon. 
    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
    I thought I was turning a corner today as I felt ok...until after I had my dinner. I am sure I have never felt so rough although my symptoms have lessened ever so slightly. I will definitely be getting in touch with the doctor regardless. The last 10 days might not be related but it is very rare that I am ill and this is definitely not the norm. Hopefully I will be able to sleep.
    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
    Do you need a C19 test to be on the safe side? Symptoms can vary dramatically.
    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
    Do you need a C19 test to be on the safe side? Symptoms can vary dramatically.
    I am going to ring the doctors this morning and see what they say, I have tried to search for the other symptoms to see.  Sunday it felt a bit like food poisoning that I had 5 years ago and last night's reaction was similar too. 

    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • Suffolk_lass
    Suffolk_lass Posts: 10,324 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely have a chat with the Doctor - my Auntie is suffering with upset tummy and it has been diagnosed as stress-related IBS - she is very anxious on behalf of all her children
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Definitely have a chat with the Doctor - my Auntie is suffering with upset tummy and it has been diagnosed as stress-related IBS - she is very anxious on behalf of all her children
    Just off the phone with the doctor.  She is puzzled as to what it might be, I am to get in touch if there are any new symptoms over the next couple of days or the heaviness in my stomach doesn't settle by early next week.  I asked about a covid test, she said she wouldn't push for one so for now I am just carrying on as I am.  I will need to go out for shopping later as I don't have much in now, plain food to try and help things along which probably means no pancakes today :'(
    Now I just need to let my line management know as although I am working from home we are potentially doing something on Thursday.
    Back to online learning for me in the meantime.

    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
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