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Alchemausterity II

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  • newgirly
    newgirly Posts: 9,347 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I hope your dh recovers soon , it sounds exhausting for you both. I’m amazed how you have coped with this last year, your house guest sounded very challenging to put it politely! I hope you are taking care of yourself 🙂
    MFW 67 - Finally mortgage free! 💙😁
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sorry to hear your news Alchemilla. All I can do is send prayers and hugs.
    Thank you, both are very much appreciated :)
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh, Alchemilla, also sending you some hugs and TLC.
    Thank you apple. I filled in my carer's passport at work today so they know in case things get worse.
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    More hugs and healing vibes from over here. 
    Thanks Rosa. I'm wondering whether to pick up my paused master's in January or chuck it :(
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Karmacat said:
    And from here too, positive vibes and affection to you and yours.  I'm sorry it feels so dreadful :( 
    Thanks KC. Any resources you know of for planning for the future in this situation?
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    greent said:
    More hugs, healing thoughts and the very best wishes to all of you. Hope DH starts recovering soon xx
    Thank you, I hope you are ok?
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sending best wishes, and I hope things improve for you both soon x
    Hello, and thank you so much.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    More hugs and healing vibes from over here. 
    Thanks Rosa. I'm wondering whether to pick up my paused master's in January or chuck it :(
    Is it time sensitive?  And can you sign up for January but drop it later? 
    Having rather been there and got several t-shirts with the study+work thing, I'd make sure you have a get out clause if things are looking complicated at home. 

    I would look to pause it. I'm sure there will be compassionate circumstances clauses. 

    Hugs to you all. If you can get a decent counsellor perhaps engage with one sooner rather than later. You then get to vent, have a sounding board or whatever's needed along the way rather than trying to hold it altogether for everyone else. Ask for help. Lots of help. Pay for it if necessary. You need to find ways to make life easier for you and your family as you go through the hardest thing anyone can together.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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