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In the Meantime
Comments
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Thanks AC, I've calmed down a bit and gotten focused. I can do this if I break it all down into manageable tasks. To use a cliche I just need to keep calm and carry onanother_casualty said:Wow! A spring in your step with those frogs. Great stuff ! 🐸🐸
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
all looking very promising DIA - keeping calm and carrying on is great adviceI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
You are doing really well with frog tackling! Congrats.
I'm a lot like you. I have to break things down into small steps.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/253 -
You can do this A full on period of time, but it will pass and you'll be able to relax again, hopefully in your lovely new home! "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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Thanks @mark55man it is promising indeed
Thanks @savingholmes small steps is the only way I can tackle overwhelm. I just keep at it until it gets done...
Thanks @jwil I hope so!
Last night I had a meeting with young relative and got the Z issues sorted. The issue was Rosetta, it needed downloaded for Z to work.
Today's frogs:- Go to buy cotton tights (SMALL WORK FROG)
- Library to write a letter to HMRC that I want to send signed for (BIG HOUSE FROG)
- Library to write a letter to pensions (BIG HOUSE FROG)
I have a letter for a friend abroad so I want to send that. I have had it hanging about for weeks but I can't call it a progress frog as such- Send letter to friend
Have a good day everyone
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Small steps are easier to deal with and feel progress is being made.
Z opens up visual communications. In a way it's better than phone calls, due to seeing reactions and mannerisms.Mortgage started 2020, aiming to clear 31/12/2029.4 -
So ALL FROGS EATENToday's frogs:- Go to buy cotton tights (SMALL WORK FROG)
- Library to write a letter to HMRC that I want to send signed for (BIG HOUSE FROG)
- Library to write a letter to pensions (BIG HOUSE FROG)
I have a letter for a friend abroad so I want to send that. I have had it hanging about for weeks but I can't call it a progress frog as such- Send letter to friend
Have a good day everyone
Back in the morning with a new list of frogs.
I hope everyone had a good dayIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
You are storming your way through that list. It seems to be easier for you now the prize is in your sights.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/254 -
I think you are right there @savingholmes I am so nearly there with things I have been trying to put into place for the next phase of my life. Also, when I am overwhelmed I can't think, but when I get organised and break down what I need to do I feel more in control.savingholmes said:You are storming your way through that list. It seems to be easier for you now the prize is in your sights.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Well done, let's see what tomorrow's frogs are and how long they don't hang around for 😊 you're definitely focused!Mortgage started 2020, aiming to clear 31/12/2029.4
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