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Cutting it Fine - the challenge is on!
Comments
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Chilli sounds nice. LOL at double scanning.... I'm too tight to take that risk...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/253 -
The chilli was lovely - I cooked 3 peppers and 2 onions and got them really soft, then added 2 tins of tomatoes, 2 tins of red kidney beans, stock, a chopped carrot and courgette, plus of course garlic, chilli, herbs, tom puree, seasoning etc.
I know, honestly, I have scrimped and saved to get out of debt, and now I seem to be losing the plot"Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Menopause? Am I allowed to say that? Brain fog is a common symptom or stress?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
Oh definitely savingholmes. Definite menopause brain here. I was rushing as well, which is a dangerous combination. I feel like I have a lot on at the moment, you know when you are juggling things in your brain. The good thing is that the important things aren't being missed, its just when I'm rushing around trying to get too may things done at once. I'm also learning new things at work, so my poor brain is definitely feeling it. I must get sorted with my chill time to recharge as it makes such a difference."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Hope you do manage to recharge more frequently. Sounds like it would helpAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252 -
Thanks savingholmes, I really need to be reminded. I haven't got an indoor space at the moment, so I need to get out and about (but I'm a bit lazy
). But I managed an hour out in the fresh air today and will keep up the good work in future. I actually miss the journey to and from work a bit - you know that space where you empty your head of home and head to work, then on the way back you empty work out of your head and head home. "Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga1 -
Could you try a yoga class? Meditation might help or a mindfulness app. I journal and colour to stay sane. When needed use noise cancelling apps tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252 -
Menopause brain fog is real! I can’t think of words I want - only the opposites. Spent a few awkward minutes the other day trying to think of the word common - all that was in my head was rare I just couldn’t grasp the word!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
debtfreeoneday said:Menopause brain fog is real! I can’t think of words I want - only the opposites. Spent a few awkward minutes the other day trying to think of the word common - all that was in my head was rare I just couldn’t grasp the word!
That's my life right now -one long search for basic words!
2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8564 -
Interesting. I have always assumed stress rather than menopause when I am like that but who knows? Uncomfortable either wayAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252
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