We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
EH - Essex > Hebrides...the next step of the adventure?
Comments
-
Definitely be kind to yourself lass, this has been a tough couple of years whatever circumstances you've been in. All the uncertainty and things changing is hard work, and getting back to routines (or having new ones) is hard work. So yes, apply a little of the kindness you tell other people to have for themselves xx9
-
EH, I hope you don't mind but I'm going to steal your goal ideas - I think its great. I also like your positives and less positives.Debt free and Keeping on Track6
-
rtandon27 said:EH - I can't express to you how lovely it was to read your above paragraph regarding C-stress. I'm totally with you on just how hard it is at the moment to get through the everyday routines, let alone taking on anymore! Thanks for 'vocalizing' - it's comforting to know there are others having a similar experience.
Personally I'm struggling to be my usual chilled/calm/accepting self, with small things causing unproportionate upset/disruption! I realize how lucky I am to have worked from home through the whole pandemic, but returning to the daily grind & commute has been exceptionally difficult!
Milann - noted, particularly your final very wise sentence - thank you!
@lucielle ours was bought from Screwfix and we find it very good. As an update to this by the way, since running it daily for those few days a few weeks back it's barely been on at all - and humidity was at 50% when I left home this morning.
Cheery - you're absolutely right about uncertainty in itself being hard work.
MrsP - go for it - I find the goals - whether small or larger - do at least give me a target to shoot to, and sometime also permission to stop pushing ahead when those goals are met, if that makes sense. It's easy to feel that we can't let us whatever else is going on sometimes, and having a specific point where I can say "Yes, achieved that" is useful.
You're all very wise and lovely and sensible, and I need to listen a lot harder to you lot, I think, and stop applying rules to myself that I'd never dream of suggesting that others should follow!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her9 -
Again so glad that it is just not me.
Life has been hard.
Like you I feel EH that really I have got off lightly on many levels but on others not quite so much.
My decreased mobility & poor balance is not helping.
But as my mum pointed out after todays shannaginns I am a strong woman.
But, it all chips away IYSWIM?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.7 -
That's me up to speed!
I think C19 has hit all of us hard in the emotional sense. I am another one lucky enough to have been able to WFH the whole way through. We still are at the moment and I am dreading when the time comes that I have to commute again.
Be kind to yourself too. If you wouldn't say it to someone else, don't say it to yourself.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
7 -
Beanie I totally get it all chipping away at us…..which is why we all need to remind ourselves just what we’ve all coped and are still coping with as it has impacted on everyone’s lives. Can we - can’t we plan things?……what about work/wages?…….will we or our loved ones get ill?…….and that’s just the tip of the iceberg. We have all indeed been strong 💪👍 and we need to remember this….definitely unprecedented timesJanuary spends - £587.587
-
Indeed, you are all so right. I've been fortunate in so many ways - secure job, not furloughed, easy enough to work from home, plenty of outdoor space etc. And not so fortunate in other ways - my work was SO busy at the start, but Mr Cheery lost all his self employed income and activity, so lots of disparity in terms of busyness, with one of us super stressed and the other super isolated. Taken a lot out of both of us for many reasons, and I think it's going to take a long time for so many of us to get over it, even if 'nothing particularly bad' happened from the point of view of people looking in xx5
-
I agree these times have been very stressful. I've pretty much WFH throughout but that was initially very isolating - and sometimes still is. At one point 1 had 4 adults in the house which was stressful. Now it's mostly me and occasionally DD. I'm expected to go in the office some of the time - but am getting nervous again having dipped in and out of the news a little recently.
Be as kind to yourself as you have been to me. Find some things that make your heart sing.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 29/7/255 -
So. Much. Wisdom. 🤯
You lot….my goodness aren’t we all LUCKY to have this place to vent, access support, and hear some good old fashioned common sense! 🤩
My lurking cold has come and got me. I have done an LFT just in case, and I also did one on Tuesday morning, both negative so I’m quietly confident that it’s not the dreaded lurgy. I reckon it’s the first cold I’ve had in approaching two years though and I’m not enjoying it much so far! 😂🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
EssexHebridean said:So. Much. Wisdom. 🤯
... first cold I’ve had in approaching two years though and I’m not enjoying it much so far! 😂Credit card One :£926.60( Oct 21 )(Nov 21 vet bill disaster), £999(Jan 22), £974(Feb 22)
Credit Card Fl :£739.26 (Oct 21)£763 (Nov 21) , £590(Jan 22), £298(Feb 22)
Savings target C.U. £1000(£410 Oct 21)(£610 Nov 21)
Savings target Bank £500 (£10 Oct 21) (£50 Nov 21)(£60 Jan 22)(£80 Feb 22)
Credit Union loan paid off. Now for the funeral plan...7
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards