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!
Prosperous soul in the making
Comments
-
EssexHebridean wrote: »Might be worth doing some stretching/mobility/flexibility stuff as well SH - most people are naturally "stronger" on one side than the other - and that can manifest itself in the thing you talk about with an effective "lean" to one direction or the other. I sussed mine when I realised that I could bend down with my hands flatter to the floor to the left than I can to the right. Regular stretching of the weaker side has pretty much corrected it but I do have to be careful to keep doing it otherwise it would revert pretty fast.girlatplay wrote: »I'm glad you've been signed off for a little while. Even if you are not resting (like you should be) you're getting that time away from work. Take care xclearmydebts wrote: »What colouring pens do you use? H got me a book and colouring pencils but I would prefer marker style pens.
DH didn't like the second picture so not getting that one. Thankfully he is now taking pooch for a walk. He has done the BB transfer - and we should save £21 a month - and on top in theory should get £95 one off cashback if it pays out! He's promised to go to the gym tomorrow to cancel that - ready for joining the new cheaper one with meAchieve 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 29/7/250 -
Well done on resisting the chippie. I had chip shop chips for the first time in many months and they were truly disappointing. I bet your omelette and jacket spud were better than my chips!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Thanks will try them markers. Yes the colouring pencils are way too dull!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi DIA and CMD
About to make omelette for lunch again. May make some leek and potato soup for later too. DH did the dishwasher last night - it all helps. Really hoping that my cleaner comes tomorrow - as my boss is coming over late morning and it's a mess!
I've been playing with a debt reduction ticker again to try and motivate me:
I am trying my brain to stop spinning in circles. I have a good financial plan both now and for age 55 when if my DB transfer goes through - we could retire. What I am struggling to see is how we can make the 5.5 years in between happier and more fulfilling. Usually I enjoy my job - and am potentially am about to be given an exciting new challenge - which could be really positive - and yet I still feel meh or worseDH claims not to like his job - and spends lots of time complaining about it - but does nothing to move. The people he works with have also become a support group for him.
I've read a few articles in the last few days which make sense - I could get a short term boost from becoming FI and then return to my current level of (un)happiness. That's a scary prospect. If I look at my own diary - I get short term MH boosts when unexpected money comes in but it soon goes back to previous levels. I therefore must find a way to increase happiness in the now... Food for thought...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 29/7/250 -
Oh SH that really is quite a sad thing to read - I'm so sorry thatyou're feeling that way. Have you read Fearne Cotton's book "Happy"? that provides some good food for thought around the subject of what happiness actually is and how we might be able to boost it - her instagram feed and "Happy Place" podcast are good, too.🎉 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/her0 -
We had a mental health awareness session at work today. We are going to be provided with a reading list. I'm not in the office tomorrow but it should be up by Thursday so I'll try to remember to note them down and post them here and you could have a look and see if there are any you haven't read (I know you've read loads).Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
0 -
I found the 'vision' section of the Kon Marie book really helpful for this. You sit and think about what you enjoy doing, and how your ideal life would be. The idea is that it helps you decide what to keep and what to get rid of, but for me, it certainly gave me an idea of how I want to live in future and what I want to spend my time doing."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
-
Hi SH - I do understand that feeling of the here and now versus a future life we are striving for. I think that being tired and being on a treadmill distorts our view of our life. It's so easy to say that it will all be ok and that you need to be thankful for what you've got but the reality is that we still have to get through today.
I can only say that you do have a plan and a bright future ahead.
When I was in a very low place after a bereavement I tried to think of 3 good things each day. Some of them were really poor excuses for a good thing such as "enjoyed a bar of chocolate" but it did help to pick out things that had been ok on that day.
Sorry if this doesn't really help but it's offered with genuine sentiment.0 -
EssexHebridean wrote: »Oh SH that really is quite a sad thing to read - I'm so sorry thatyou're feeling that way. Have you read Fearne Cotton's book "Happy"? that provides some good food for thought around the subject of what happiness actually is and how we might be able to boost it - her instagram feed and "Happy Place" podcast are good, too.girlatplay wrote: »We had a mental health awareness session at work today. We are going to be provided with a reading list....note them down and post them here and you could have a look and see if there are any you haven't read.I found the 'vision' section of the Kon Marie book really helpful for this. You sit and think about what you enjoy doing, and how your ideal life would be. The idea is that it helps you decide what to keep and what to get rid of, but for me, it certainly gave me an idea of how I want to live in future and what I want to spend my time doing.
Blackcats - it wouldn't let me quote you too - but I hear you. I am trying to be grateful for positives - but it's a bit like HP trying to conjure a charm that he needed a happy thought from - pick the wrong one and it lacks power... Hopefully this time off work will help me find my 'happy' againAchieve 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 29/7/250 -
savingholmes wrote: »but it's a bit like HP trying to conjure a charm that he needed a happy thought from - pick the wrong one and it lacks power... Hopefully this time off work will help me find my 'happy' again
I like that quest - searching for the illusive 'happy charm' that has the power to get one's mojo back, whatever the circumstances. Watching with interest :beer: What worked for HP? :rotfl:0
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