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Prosperous soul in the making

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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.
    I am sure you are right - I will see what the physio says and then try. I struggle with coordination - so struggle sometimes to get my body to do what I want full stop. If I can get things back under control - I'm hoping to use the gym for swimming, pilates and weight machines. Possibly the treadmill - but it would be better to walk the dog.
    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 x
    I am trying to rest - but don't even know where the TV controller has gone which doesn't help. In between doing the washing and putting a joint in the oven - I've tried to have my feet up. I have Utube and N3tflix on my laptop - so other options - but struggling for concentration currently.
    What colouring pens do you use? H got me a book and colouring pencils but I would prefer marker style pens.
    I love Cr@y0l@ washable markers - they are fab. I didn't like colouring pencils either - too dull

    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 me
    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
  • doingitanyway
    doingitanyway Posts: 10,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    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) 25/072025
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    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 2034
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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:

    debt.png


    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 worse :( DH 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 29/7/25
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • Blackcats
    Blackcats Posts: 3,905 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    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.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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.
    Thanks EH - I will investigate it. I've started reading Joyful by I. F. Lee today in the hope of breaking the cycle. (She does a really good Ted Talk too on Utube). She talks a lot about the impact of design, shapes and colour and even plants on our mood. So I've made a start - and put 3 mini yellow pots of miniature narcissi I already had in a crystal bowl in the middle of the kitchen table...
    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.
    Thanks I am always humbled when people take the time to post.
    jwil wrote: »
    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.
    Thanks JWIL - I think I want to write, read, do crafts, perhaps speak/teach crafts or writing - however I have lots of time I could do that now but don't always use it well. Over the last year due to a variety of circumstances we've become more and more isolated - you could describe us as hiberntating which isn't healthy - It's felt like we barely had enough mental energy to keep putting one foot in front of the other - related to family circumstances we can't post about it - but equally avoid discussing.

    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' again
    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
  • 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:
      
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