We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Tales from The Shire

1291292294296297309

Comments

  • savingholmes
    savingholmes Posts: 29,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your back improves soon. It did sound from your list like you were overdoing it. I know it's frustrating when we can't do what we normally do. Hope you get to see the snowdrops in bloom.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • rtandon27
    rtandon27 Posts: 6,257 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sending healing vibes your way Fortune! Hope you feel better soon.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
  • ruby_eskimo
    ruby_eskimo Posts: 4,829 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear the back is still an issue.  Definitely take it as easy as you can and hope you start to get less pain soon.
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • Ae Fortune, so sorry you're still suffering. We will rest alongside you, don't worry 😁
    Nice to have some company @Cheery_Daff 😊
    badmemory said:
    Are you sure vacuuming isn't a problem.  I suppose it depends on the vacuum but I have passed all those responsibilities over to DS.  It didn't seem to bother me - until I'd finished then I knew about it.  Wonky trolleys are a major no no too.
    It's a cordless, stick vacuum @badmemory so really light and easy to handle.  My main problem is leaning forward whilst sitting so I'm ok with vacuuming as long as I take care when bending down.  Wonky trolleys are the worst.
    Sorry to hear the back is still an issue.  Definitely take it as easy as you can and hope you start to get less pain soon.
    Thank you @ruby_eskimo - I'm improving slowly.

    Fortune x

  • badmemory
    badmemory Posts: 10,174 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    I know I need stronger tummy muscles, I have nowhere near as much trouble when I can focus on my posture.  I have had back trouble since I was 17 but this last 18 months has been bad.  I need to give myself a really good kick.  The weight I have put on in the last 18 months has not helped at all.  That is after losing a stone in the first month of lockdown.  I'm so annoyed with myself.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.