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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • badmemory
    badmemory Posts: 10,109 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    edited 7 July 2022 at 9:45PM
    No-one on here is going to deny that you should have P1p.  We've read your struggles.  I don't think people IRL really look at us & actually see us as we are.  My sons came through today but his is a second one not a first.

    ETA - read/posted before you edited.  Let me kn ow if you want me to delete.
  • MovingForwards
    MovingForwards Posts: 17,165 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Have you looked into getting a kettle on a tilting stand, it should cut down on some of the scalds. Obviously comes with the initial cost, but you do need to start putting helpful items in place and it's amazing how a simple change makes a huge difference.

    Invisible disabilities and health problems are hard for people to understand. It's why I'll occasionally throw a post up, almost reminding people that I'm doing all of whatever, but at a cost to my health of X, Y and Z. IRL using a walking stick shows there's something wrong with me. In that regard I'm 'lucky', but people still forget. A good friend said the other week "you don't catch a break with your health"; they've seen first hand how quickly I can go from slowly walking to not being able to, what chance do you and others have? (rhetorical question)

    Sorry, getting a bit ranty as I feel the same as you do.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • sarahsays
    sarahsays Posts: 36 Forumite
    Seventh Anniversary 10 Posts Combo Breaker
    Regarding hidden disabilities, my husband was once asked to help wrestle a coffin out of the back of a hearse, as he knew the undertaker slightly and was looked at in disbelief when he had to refuse.  No one would have known by looking at my husband that he had had heart surgery two days previously and wasn't allowed to lift anything heavier than a mug of tea.
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Sarah for taking the time to post. 


    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 10/10/25
  • I'm still not sure what PH takeaway is. Can anyone enlighten me?
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ...🍕hut 🙂...


    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Lol thanks. When I googled it here I got Philippine takeaway 
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