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Sorry you are having it so tough. You sound amazing the way you just keep going but I imagine you kind of feel like there's no other choice - no matter how exhausted you feel. I would ask for help though from friends and family if you can. I know you are trying to repay debt but is there anyway you could afford a cleaner or some help to get back on top of things. Have you claimed all the benefits you can?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Keep plodding xx
Thank you beanielou.in_need_of_direction wrote: »Loving how you are still tackling things over and above the every day need to do. You’re an inspiration
Oh thank you INOD. I want to do more though.savingholmes wrote: »Sorry you are having it so tough. You sound amazing the way you just keep going but I imagine you kind of feel like there's no other choice - no matter how exhausted you feel. I would ask for help though from friends and family if you can. I know you are trying to repay debt but is there anyway you could afford a cleaner or some help to get back on top of things. Have you claimed all the benefits you can?
Thank you SavingHolmes. Funnily enough I was thinking about getting a cleaner for a few hours as a one off. There is a lady who advertises on her phone and charges £12 per hour. I will have to research this as I've never done it before.
I do get a bit of PIP but was told I wasn't entitled to anything else. My doctor was confused about this recently as he thought I should be entitled to more. If I could get something I could drop hours again and focus more on my health than work. My health has deteriorated since returning.
I'm nearly up to date on washing. I'm going to put some away in a while and tidy my bedroom. Its a case of a little bit of work then a sit down. Its annoying but it's the only way I can get anything done. I've got fluid building up on my lungs again and I'm constantly pooped. Oh how I would love to feel normal again. Anyway enough of the pity party, need to get on.
Have a fab Sunday all. Xxx1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
It's ridiculous you're not entitled to more help but defo look into the cleaner as it'll help you out immensely xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Thanks Abba.
I've been at bit naughty today. I've called in sick ( I have been very breathless) but I really need to get something done at home while DS is at school. I have one load of washing to do but I do need to change the beds.:eek: Such a tedious job.
I think if I can get things looking a bit more normal I will feel more relaxed and calm. I'm definately hankering for something close to minimalism.
Anyway a cup of green tea then time to get started.
Have a great day. X1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
Glad you've listened to your body and phoned in sick xx
Hopefully you'll get the bedding changed then you can chill out xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050 -
I did Abba with some huffing and puffing. My bedroom also looks a lot better. Still some work to do but it now looks like a bedroom and not a s41t tip. I still have DS's draws to sort and put his washing away though.
I've even dragged Mr Shark around. I don't think I'll ever get bored out the amount of stuff it sucks up. Shocking.:eek:
Off to get DS soon then the appointment with the nutritionist tonight. I'm feeling nervous but positive about it.
Anyway I must get on.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
Oh I would love a shark my dyson is on it's last legs the hose it holey hubby keeps nagging me to replace it but I'm being too stingy
NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050 -
Hope your appointment goes well
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Sounds like you had a productive day. Hope the appointment goes well x"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
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Oh I would love a shark my dyson is on it's last legs the hose it holey hubby keeps nagging me to replace it but I'm being too stingy
I love mine and that's from someone who used to hate vacuuming. Its shameful at times though.Hope your appointment goes well
It was totally amazing. I learnt so much in two hours. It was worth every penny.Sounds like you had a productive day. Hope the appointment goes well x
More productive that I thought it was going to be. A positive day all round.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0
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