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Learning to walk before I run
Comments
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Hope DD recovers quicklyAchieve 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 29/7/254 -
Unfortunately Mrs E has now tested positive too, leaving me the last E standing! I'm going to try and take the next couple of days as parental leave or annual leave. The timing couldn't be worse, I have several looming deadlines
Because I was the only person able to leave the house/the couch, I have been rushing around like a blue ***** fly all day, literally just sat down! I took the car to get new tyres this morning, then went to the supermarket, then home to make lunch for the walking wounded. Then I hand washed dishes, processed 5 loads of laundry (including hanging 2 loads outside) and went back out to get groceries and wash the car. My thinking was that it was best to get groceries early as I am testing negative, but this won't necessarily remain the case
When I got back I wiped down all high contact areas with a Covid-killing disinfectant, made dinner for the troops, made up the beds and read DD her bedtime stories. She has been on good form - singing away despite a fever of 39.5 and making Mrs E laugh. I'm a bit more worried about Mrs E - she is going to phone the midwifery service tomorrow to see if there is anything she can take or do to safely help her symptoms.
I've also rescheduled our plasterer as he was due to come when Mrs E will still have to self-isolate.£102.50 paid off CCs.I think I may have earned a drink!7 -
Definitely earns a drink! We’ve just had covid in the house and I was the only one to stay free from it so hopefully you will too. Hope all the affected Edinburghs feel better soon xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,850/£5,0007 -
Absolutely, poor Mrs E - Miss E and you yourself! Good idea to get the groceries in and the washing done.2023: the year I get to buy a car7
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Hope you manage to stay germ free Ed and everyone else recovers quickly. As busy as your day was it's always best to plan ahead. Fingers crossed for you.June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!5
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I feel your tiredness Ed! I’m only looking after DH, but it’s a lot of running around and my hands are incredibly dry and sore from washing them so much. And I feel like I’m camping in my own house, having been kicked out of the bedroom. I hope you enjoyed the drink!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
Get well soon Es!4
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Boss was pretty understanding about circumstances, but I felt very frustrated spending the day basically looking after a fine DD who was high as a kite because she was getting extra daddy time. It made me feel very guilty, but I couldn't help feel that if she was just a couple of years older, she would have been entertaining herself and I wouldn't have been sitting wondering whether I'd be forced to use annual leave or not! She is a very full on child. As well as an hour of Lego, drawing half a dozen detailed pictures, playing with mouldable sand, a hot chocolate in the garden and a wee shot on her trampoline, tablet time and one and a half movies, she still wanted moreMrs E is wiped out, was basically in bed all day bar half an hour or so.I settled the interest free finance for our new couches 48 months early
As I watch the value of our investments dive, I don't want poor cashflow to hamper our ability to buy more, so paying off debt seems to be logical. That was our smallest commitment and now it's gone. £1,766.88 paid off and £100.12 paid off CCs. Amusingly, we even got a 12p discount from our settlement figure...
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Glad to hear DD is in such good spirits Ed. I hear you on the fizzy ball of energy thing, but we wouldn't have it any other way! 😄
Good to hear Mrs Ed is getting all the rest she needs, and your boss is being understanding. I expect you'll be exhausted yourself, but it sounds like you couldn't really hope for a better result right now so I'd take it as a big win 🙂7 -
Great news on the sofa being paid off. Well done.
Really hope your Mrs and little one recover quickly and they don't tire you out too much. I have had full on children - so get what you mean!!
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 29/7/255
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