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In the Meantime
Comments
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I'm glad the funeral went well.
Good luck with the PADs, it should build up a nice buffer for you. Good that the house is progressing as well.
Have a lovely relaxing weekend"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 McGee2 -
Can you budget for counseling, maybe every 4 - 6 weeks, while you figure out alternative options, settle in to your job and move house. Things will be calmer when your purchase goes through.
The job will get easier, for the moment it's an information dump and slowly bits click, parts make sense and it begins to fall into place.
Weekend plans sound ideal!Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad the funeral went well.
Well done for sticking it out with the job.
I second paying for counselling - at least once a month if you can. I appreciate your funds are very tight currently.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 13/9/252 -
Sorry that it has been such a heavy year in some ways.
Might I recommend two teabags 🤣🤣🤣
4 -
It's been a hectic and upsetting time for you INOD, hope that the family scene can settle down now and everyone remains healthy and happy for the forseable.Hopefully work situation will improve, but if not try to just keep your eye on the prize... it's not too long till Christmas.I'm willing your sale to go through quickly. ((((hugs))))XX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy4 -
Thank you everyone
@savingholmes and @MovingForwards
The counsellor is excellent but was appointed by the hospice for a fixed term. I have asked but the counsellor cannot do private work. There is a work counsellor I can use but very few hours are allocated a year so I need to be careful how I use them. Transitioning to this job is hard so I will arrange a session every few weeks once the counselling finishes.
@jwil the house appears to be progressing nicely...
@Chrystal you are right eyes on the prize!
@WelshmansDaughter it has definitely been a 2 teabag few weeks at work...
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 -
Yesterday I chased a railway who should have just paid after a delay. A 2 hour delay no less! Everything sent but weeks later they write saying they will close my case if I don't reply in 7 days. It was already OOD. What case? I called them in a rage. The shock was they answered almost straight away and also they agreed with me and paid the money there and then into my account. I had nearly let that go, glad I did not...
I bought my coffee mug/flask. It was expensive but very well made, the right size and leakproof. I already love it. It will take a fortnight to pay for itself.
I bought the stuff I need for lunches. My new plan is lunch in the park followed by a visit to my fave CS
Today I have a wash on and I am sorting outfits for the week ahead
I am expecting a call from abroad from a lovely friend
I am going to the car boot sale with the person I stay with later.
I keep worrying about having enough money for all I need to do so I am going to set up a few spreadsheets so instead of worrying I can look at the spreadsheets to ease my mind.
I hope everyone has a peaceful Sunday.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 -
Spreadsheets can be soothing if done well. Remember all your annual bills too.
Glad you found a flask you liked.
Your other plans sound positive too.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 13/9/252 -
Great news about the compensation and finding a nice coffee cup. A two week payback makes it a very good investment!"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 McGee2
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I'm back after a week.
Work has been tough. I nearly left but I took the day off instead and went back. It is still tough but necessary.
In other news the chain is complete on the house. Annoyingly I can't get a survey until late August. It looks like September for exchanging. All good but until exchange has taken place I am holding my breath.
This coming week I am intending to eat healthily. Eating cake every day is NOT necessary. Taking some choc (70% dark) and nuts in a glass container to keep in my work drawer. I'm going to try to keep sugar and caffeine low this week. Lunch packed
I had a YS haul, most of which is in the freezer now.
I received some pay from job. I had forgotten how nice payday is.
Tired, but an update was due.
Hope everyone is ok
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) 25/0720258
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