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Alchemausterity II
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At least you know it needs work. Mine is apparently fine, but has been stinking, so work has been done to the drains. Smell seems to have gone, but I'm not convinced it's gone completely.5
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Sorry you are going through it. I think listen to your gut but also ensuring you have stable finances gives you choices.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 29/7/254 -
greenbee said:At least you know it needs work. Mine is apparently fine, but has been stinking, so work has been done to the drains. Smell seems to have gone, but I'm not convinced it's gone completely.3
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savingholmes said:Sorry you are going through it. I think listen to your gut but also ensuring you have stable finances gives you choices.5
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Alchemilla said:savingholmes said:Sorry you are going through it. I think listen to your gut but also ensuring you have stable finances gives you choices.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 29/7/255 -
Alchemilla said:greenbee said:At least you know it needs work. Mine is apparently fine, but has been stinking, so work has been done to the drains. Smell seems to have gone, but I'm not convinced it's gone completely.5
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savingholmes said:Alchemilla said:savingholmes said:Sorry you are going through it. I think listen to your gut but also ensuring you have stable finances gives you choices.6
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Spending in sadness is one of my defaults, I'm grateful for this board and my diary as it does help me focus.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!5 -
Morning
I am going to set some targets.
This week
*Relationship - keep a journal of highs and lows
*Money - 5 NSDs
*Work - make some progress towards gaining a promotion
*Health - record BP am and pm for 5 days
*Home - clean puppy smears off inside of windows
*Family - offer some quality time or act of service to each child.
Please hold me accountable!
8 -
Grocery spend last month £821.69 😱6
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