Prosperous soul embraces creativity & mortgage neutrality

lucielle

Hope you feel better soon. 

L

savingholmes

Thanks all. Feel quite a bit better today. Slept much better which helped. Been taking vit D the last couple of days - and using list3rene to see if it helped - it certainly soothed my throat. I need to make myself get dressed and do some work. Don't have to work a full day if not up to but I have an external deadline of Monday for something!

Last night I went off plan and had a PH delivery. It was okay - but not hot enough by the time it came - and I only like my food hot. I had plenty left. Will see if it cooks nicely if I re-heat in the oven later... Expensive though (£29). Not surprisingly my scales objected this morning but will re-focus on diet when I'm better.

I had a play on mortgage calculators last night to see what would happen with various interest rate rises. Scary stuff! So glad I am fixed until end 2026. It incentivises me to develop and maintain healthy savings though - and not lock all spare £ away in pension or mortgage - in case I need it for cashflow later. I don't want to be forced to sell my house when my fix ends! However, on a more positive note the papers are saying that those with govt pensions will be winners from inflation - and looking at the current scheme rules that seems to be the case. I think my previous DB pension is capped at 5% inflation - but feel lucky that I have guaranteed increases - so my pensions could do well from this crisis - as long as its not too sustained.

I laughed at myself last night - panicking over not being able to pay if the mortgage went up to 10% in 4.5 years time! Talk about borrowing trouble. I think 7.5% is the highest I've ever paid and that was bad enough. By the time my fix ends I'd qualify for over 55 mortgages and have a better LTV so there would be other options in a worse case scenario... I'd also have pension options. My whole life could change in that time... This crisis reinforces the security that would come from either being mortgage free or mortgage neutral.

So back to today's problem...





When will I manage to get dressed and log on to work?

savingholmes

Drawingaline said:

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.

Sorry your income is affected. I think it is very widespread at the moment. My boss was telling me yesterday of 4 or 5 others at work in my circle that have it.

@beanielou I dropped a text to my cleaner yesterday to say when I'm better I'd love her to do some extra hours for me on an ad-hoc basis. I don't want to over-commit at this point.

WelshmansDaughter said:

Something that might be nice instead of sweet drinks is freezing some fruit in ice cube trays? Add them to drinks it is quite nice

I may give that a try - I already have frozen fruit... 

leftatthetrafficlights said:

Good luck with the PIP outcome- it's a nightmare having to wait! 🤦‍♀️

I keep checking my bank to see if they drop a nice lump sum in... no joy yet. Hope it doesn't take them too much longer. I live in hope. I think they can take until nearly the end of August and still be within their plan. That would be 6.5 months after applying if it takes that long. Let's hope they beat that!

MovingForwards

It's a fine art to get the savings, mortgage, pension balance where you want it to be. Savings are a safety blanket, protecting the short to medium term. 

Think of the future but continue to focus on the in-between, impact reduction and what's in your control.

Tahlullah.H

Laughed at your panic over what will happen on some date in the future that may not come in it's present format!!

Whether to get dressed and what to wear is a far more pressing concern.

Tx

girlatplay

I have to admit to having a wee giggle at your panic about something that hasn't and might not even happen but only because I do exactly the same.

I think plan for the future as best you can but don't lose sight of the present.  In my opinion, what you do at the moment is great.  You are considering the future and putting reinforcements in place but still getting out and about and enjoying life.  Sounds like you are anyway.

I do think that healthy eating goes a long way towards keeping us well but when you're ill and struggling, have the PH food and don't worry about it.

savingholmes

Thanks MF, @Tahlullah.H and GAP

Well the answer was - dressed and logged on by 11.10. Having a little break now though. Had fruit and Mr A veg soup and a couple of biscuits so far today. Still contemplating PH leftovers for tea. I still need to finish my report - its slow going though. I do feel much better today though which is a relief. Spoke to a work colleague and their parent had just gone to hospital with C19. 

No miraculous funds have yet arrived in my bank account - despite my compulsive checking. I eroded my EF with last week's mortgage OP and date change - I now owe £5.1K less than I did when the mortgage began at the end of November. I have to remind myself - that the mortgage felt almost impossible at that point - and yet I have managed to consistently OP. Most of my worries don't come to fruition - and even when they do - I mostly overcome them. However I can spend a ridiculous amount of time quietly panicking over nothing. I have to remind myself - that even panic / worry / fear has a purpose if it helps me save for the future and help out future self &/or kids.

L Gilbert talks about allowing fear a seat in the car - just not letting it drive. She allows fear to speak - acknowledges and thanks it and then invites wisdom to take its turn. Love that. I love that she describes herself as supremely neurotic and spending all her time managing her MH - and yet has created a materially successful life...

greent

I've just had to g00gle p h takeaway as I've been flummoxed  by what on earth it actually was - doh!! 🍕😄

Mickyh-s

Oh @savingholmes, if only you knew how inspiring your diary is to me. I think you have done remarkably well in all aspects of your journey. I enjoy logging on everyday and catching up and you are great at contributing to the mfw pages, always have the right words to say and encouragement. You need to give yourself a lot more credit than you do! 

savingholmes

greent said:

I've just had to g00gle p h takeaway as I've been flummoxed  by what on earth it actually was - doh!! 🍕😄

I often have to google stuff on here. It's educational at least or gives the brain a workout!

Mickyh-s said:

Oh @savingholmes, if only you knew how inspiring your diary is to me. I think you have done remarkably well in all aspects of your journey. I enjoy logging on everyday and catching up and you are great at contributing to the mfw pages, always have the right words to say and encouragement. You need to give yourself a lot more credit than you do! 

That's really kind of you. I just wish that I knew how to have as meaningful relationships / conversations with people in RL as I seem to manage online here.