We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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 embraces creativity & mortgage neutrality
Comments
-
Pleased you seem to be over the worst of it x4
-
Thanks MF, Dancing and @Merlin's_Beard
Had a better day. It took me all day but I managed a shower and getting dressed at tea time and put the washing on. After a gap of an hour or two I watered my bedding plants (with the hose) - so progress. If I can sleep tonight - I'm hoping I might be over the worst. My neighbour has given me some tests so I will try the test tomorrow and see what it says. I've promised to buy her some new ones. I tried to get them on my delivery but typically they weren't delivered!
DD has carried on her social life as normal. None of her friends are bothered that she's living with someone who has covid! It fries my brain.
Just put the washing in the dryer - no energy to hang it out. But I'd forgotten to put colour catcher type sheets in the wash and there are some interesting effects!! Ah well. Nothing that mattered... I'll do some more washing tomorrow - and may rewash some things in the hope that it resolves!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/256 -
Sounds like you are heading in the right direction now. Don't forget to rest though as covid really takes it out of you. Don't be surprised if it takes longer than you think to get back to normal.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
4 -
Sorry to hear you caught Covid Savings. Hope you have a speedy recovery. Not nice!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park4 -
Thanks GAP and @Tahlullah.H
I slept better last night. I spoke to my boss today - and we agreed I'd do one piece of work then go back to resting - so that was nice. I re-tested and my red lines are very dark - where they were very light Saturday so I've got a way to go yet. My head feels muzzy. If I cough it's painful - but mostly I manage to avoid coughing. I feel quite tired and my temp control is out of whack - one hand feels freezing and the other is fine??? I have my elec blanket on again.
I've been re-reading this diary a bit the last couple of days. I need to get back into decluttering. My house has gone out of control again... When I'm well I'll get my cleaner to help again and offer her some extra hours.
Thankfully I bought some Mr A veg soup the other day so had that for lunch. Have 1 more left. I've prepared some overnight oats - but with the full fat stuff - so got some fruit to eat later. Peach, blackberries, strawberries and grapes from Mr As and then some redcurrants and the odd blackcurrant from the garden. While I want to lose weight - I want to avoid artificial sweeteners. I read an article the other week and it mentioned different medications that they interfered with... Want to avoid them even more since reading that. What's annoying is that I'm not buying stuff labelled as diet drinks but when I've looked they have sweeteners in them. I'm going to have to hone in on it more. I normally drink water anyway - I just wanted a treat while I was ill. I think one day the govt will realise that when they did their anti-sugar campaign they just replaced one problem with another.
Still not had my P1p decision. I know I'm too early but I keep checking my bank account. If the decision maker follows the advice of the person who spoke to me and sis - then I should get a good chunk of back pay and on-going support. Trying not to count chickens though.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/256 -
Hope you're feeling better soon!
Good luck with the PIP outcome- it's a nightmare having to wait! 🤦♀️'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £34.46/£350
DNF: 1/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'4 -
Sorry that you are suffering. I finally caught it too this weekend. Felt awful and spent most of it in bed. Finally feeling better and due to go back to work tomorrow, only for most of my clients cancel on me as they all have it too! Going to be so poor next month.Debt free Feb 2021 🎉4
-
Agree about the artificial sweeteners, there's got to be a way of using natural but it will come at a cost.
Get some rest and don't overdo working plans out.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Something that might be nice instead of sweet drinks is freezing some fruit in ice cube trays? Add them to drinks it is quite nice5
-
The artificial sweeteners in drinks annoys me too.
Sorry to hear the test lines are darker. Take it easy.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
4
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.4K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.2K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards