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Prosperous soul in the making
Comments
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It's all part of self-care, isn't it? Spending time outdoors and seeing all these lovely things. Your posts are coming across quite relaxed so I hope that's how you are feeling.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Hi GAPI am trying to rediscover myself. I feel I have got lost due to some circumstances outside my control plus family stuff and this weird lockdown /semi shielding year. I feel empty. Trying to put my oxygen mask back on.
Forest bathing, greenery and water very restorative although single track roads were very scary at times.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 14/11/257 -
DS joined me this weekend so tried to create positive memories. He has now gone home again leaving me in peace for a few days then hopes to return. Will go home next weekend at least briefly but a friend has offered me a place to stay if I need it. Just trying to practice self care without blowing up our budget completely... Burned out....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 14/11/257 -
Take as much time as you can, find yourself and your feet, then you can think about other things.
Waterfall photo is enchanting.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Lovely pictures, I would go a long way out of my way tp see a lovely waterfall. A childhood trip to Niagara Falls must have imprinted on me.
Good luck recovering your mojo, you won't ever do that by not addressing it, so a break and a change is definitely the right way to go. A journey of a 1000 steps doesn't have to end in a sprint, so if you need to take a bit more time to do the final lap then give yourself permission to do soI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine7 -
One of my favourite places MS 😊 Important to make time to do those things that make your soul sing - whatever those things may be.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living3 -
Thanks Mark, MF and FortuneHad a quiet, peaceful day at cottage listening to birds and cows. I have mainly been colouring and journalling. May go for a drive shortly...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 14/11/254 -
Lovely photos. Sounds like you are gradually re-charging your mind, body and soul. Take your time and do what's best for you. Keep in touch with your virtual friends when you have the time and inclination we love seeing the pictures.
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Agreed. We love seeing the pictures. I'm enjoying reading your posts too, quite calming.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
4 -
Photos are beautiful, well done with the recharge. So important and the long term benefits of you taking this time cannot be underestimated, keep up the self care.Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
Emergency Fund Target: 3 months saved ✅
4
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