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Prosperous soul in the making

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Comments

  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Thanks Ohsh.... and MF. About to have a lovely roast dinner, followed by choc fudge cake and ice cream and then a fire pit in the garden with toasted marshmallows. DH is stringing up some new lights to make it extra special  for DD and my upcoming birthday
    That sounds like an amazing night! My ideal night :) I love a roast chicken or beef. I'd say the lights will look so pretty and with the fire pit it will be so cosy.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • mark55man
    mark55man Posts: 8,220 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 14 May 2020 at 8:23PM
    50 only hurts if you let it - and you shouldn't becuase its great
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sending a virtual hug over.

    You've been through a lot, still are, and are bound to feel conflicted, emotional, unsure and a million other feelings / thoughts. 

    You will find a way to get through this, don't put yourself under so much pressure, step back, break everything down and only take a small bite at a time, or none if you don't want to at the moment.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Busy_Mee
    Busy_Mee Posts: 422 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Sorry to hear you have been feeling Meh. I think most of us have down days at the moment, but I think it is to be expected and you need to be kind to yourself. Don't worry about being 50, it is great. I actually think I feel better in my 50s than I did in my 40s, something about feeling a bit more sorted and not caring so much about what others think about me.
    Chin up lovely x
  • I know my 50th was a lot easier than turning 30
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Being overtired doesn't help and does bring you down.

    You son has got his answers, can now work with it and make plans.

    Perhaps more medical appointments will be done remotely. It's only the poking / prodding which requires a face-to-face appointment, although I've found that is mainly describe the issue, prod, yes here's a prescription or bend / lift body part, yes here's a prescription.

    Your debt is coming down nicely and will be gone before you know it. 

    Hopefully your chairs will be with you soon.

    I presume none of your neighbours are hairdressers / barbers (assuming yours is shoulder length and above normally)?
    You could get a mobile hairdresser out and have it done in the garden then wash your hair / clothes / shower straight after?
    Or maybe watch a few tub3 videos and see if DD could do some form of temporary bob?
    (Mine  is constantly in a ponytail, I'm contemplating hacking it off as I'm about 6 months overdue for mine; I've only had it done once a year due to saving.)
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF - I do have a mobile contact but she is shielding her DH. I'm sure I  will resolve something.

    Well today had another huge disappointment. The pensions transfer co have refused my case. They don't have to give a reason. I am sooo frustrated and gutted. I have already paid to get a new pension valuation too. May try again when that comes. I think this is potentially a good time to invest - but know when I was looking in January - most companies didn't want to touch me until I was 55 or close to it so not sure I will be able to find anyone that will. I know they are trying to protect me - but I would rather take the risk.
    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
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