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Prosperous soul embraces creativity & mortgage neutrality

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  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks @Orangetoes MF, Jwil. GAP and Beanie

    I've recently changed my HRT meds (increased) - wonder if that's also impacting how emotional I have been feeling. I forgot to put my patch on after my shower yesterday so couldn't do it until I got home. Been awake since silly O clock. The new patch style they gave me is huge and it's itching.. whereas last month I had microdots from a different brand and it was so much better. What's irritating it I now have a 3 month supply... The GP amended it to 75 up from 50 - but I'd recently been experimented with a hundred and felt better - I see if I have any 25s left to go back to 100 and see if that helps stabilise my mood. I didn't explain that to her well enough - and had expected the prescription to go up to 100.

    I need to finish sorting the FF and clear a path in the garage before starting work.

    I hate that banks don't let you do everything in the app. San -der want me to use online banking to change my regular saver amount but tells me my security code is wrong even though it works in the app. So frustrated.

    I got another P1p payment yesterday - grateful - so cleared £200 off a rewards CC - clearing the remaining balance from last month. If I didn't have the impending payment to my sis - I'd clear the rest of the card £179 of new spend - as I have the £ in the bank - but holding on to it for now until I know more what is happening. I will talk to my counsellor about it all tomorrow - and will then tell my sister how her request has affected me - but want help in choosing the right words as I don't want to cause a rift.

    @LadyWithAPlan The book arrived - but despite being described as very good it's quite stained - so I don't feel I can use it. Will probably put in a complaint as I would describe it as acceptable... and feel missold.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • try_harder
    try_harder Posts: 1,532 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    So sorry to hear you are going through a rough patch .I find it very hard to understand why your friend / family member would do that to you and so sorry that you have been so upset by it all 
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I mean money above her wage if that was unclear.

    Apparently I have at least 7 litres of screenwash and 3 de icers..... Found yet more paint brushes, rollers etc. More tools.

    Will list some rackets and other things I found. Not sure if tennis or squash rackets. How would I tell?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Rollers and paint tools are something I have a lot of as well. Weird
  • beanielou
    beanielou Posts: 95,720 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    If only I was nearer............  :lol:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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