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In the Meantime
Comments
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I agree with you that your health comes first. You appear to have a plan going forwards money wise that will stand you in good stead. 👍Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Health is pricless.
Glad that you made the right decision for you.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.4 -
I am sure it was a difficult decision but you've had a rubbish time of late and I completely get your tank was empty. As long as you can still get your new home soon that's the main thing. Once you're settled in you can reassess.
Hope the house sitting goes well.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 10/10/253 -
Thank you Chrystal I missed your postChrystal said:Glad you're out of it, and hoping that the better phase comes around quickly. Enjoy some rest and creativity. XXX
Sunshine_girl2 said:
Thanks. It feels like the right decision...Just caught up with your news. No point in making yourself ill DIA sounds like you made the right decision.
Thank youin_need_of_direction said:You have been so brave doing the right thing for you. I completely applaud this.
Thank you @Seasidegal58 @beanielou and @savingholmes 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
So, I've had a few days doing nothing. I still have the remnants of a chest infection but it is definitely getter better. I've slept a lot. I've watched TV and Netflix. I've done neither for years and realise I haven't missed much! However, it was strangely relaxing, like going absent from myself...
I've been cat sitting. Cats are funnier than I thought. I get up before 6. I fed the cats but they said 'it is too early for food but they'll have a coffee' I said 'cats don't drink coffee' and they went out into the garden in a huff...I know, the stress of the job has sent to crazy...
MSE wise, I've not been spending money. I can't. I bought food with me. YS frozen stuff, so will only need veg once hosts fresh stuff has been used up. I will shop on the day my host comes back and cook her a meal. She already has good wine so it shouldn't cost me much. I need every penny for the house finance. Hopefully, not long now. After the survey things should move quite quickly. Searches aren't back yet...
Tomorrow is a busy day. I have counselling and I need to do lots of life admin. That's ok.
I 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
Glad you are feeling a bit better"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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watching netflix sounds like a good de-stressor - once you found something you can relax withI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Cats are great! They each have weird and wonderful personalities and are quite misunderstood as they do have routines.
You're sounding better and the break will do you good while continuing to recover.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad you are recovering.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 10/10/252 -
Pleased to read that you're on the mend. 👍
The cats sound like they're ideal companions - very entertaining!😺
Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3
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