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10 years to clear £334K - our FIRE journey

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Comments

  • redofromstart
    redofromstart Posts: 5,903 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    If work know your absence is stress related then offering an OH referral should be consistently standard practice, stress risk assessments and so on as part of duty of care.  Even if they think it will not help, they should not assume, so actually they are doing the right thing.  You could always decline politely, citing your resignation but sometimes contractual sick pay is linked to following the process so worth checking the policy.
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • CCW007
    CCW007 Posts: 1,098 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thanks Redo, that really resonates with the wording of the email. I have declined AN oH referral, citing the NHS referral and that I know I can access the EAP.
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    In my experience OHU appointments take a long time to come and if you are leaving anyway there seems little point. Will being off put your job offer at risk?

    Hope you feel better soon. I find time off in nature does the most for me - particularly walking. I love swimming - I'd just prefer it if the others weren't using the pool at the time LOL... Since there doesn't seem to be a winning lottery ticket in my postbox I doubt that will happen for me any time soon. 

    Try gentle things like colouring or journalling if they appeal. When I was grieving over my dad - I just did random abstract doodling, pattern printing, and occasional cute creatures... 
    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 13/9/25
  • CCW007
    CCW007 Posts: 1,098 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Mortgage - £285,521
    Reduction of £1,176
    Savings - £16,000
  • CCW007
    CCW007 Posts: 1,098 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Approaching end of life with parent, fairly imminent now.  Not sure I will be ready to go back to work in less than two weeks.  Going for blood test at surgery tomorrow so may ask about how to book an appointment.

    In MSE news, very impressed savings increased at all this month but we may need to take some out to help family member for a short term.

    Completely lost my mojo with Prolific, really need to get back into it.
  • South_coast
    South_coast Posts: 5,964 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry to hear about your parent. It's never easy, even when you know it's the right time x
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,526 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sorry to hear about your parent. Do make sure you take the time you need, there are things more important than mse!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • edinburgher
    edinburgher Posts: 14,016 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm really sorry to hear your news, take care and take the time you need.
  • Jessy103
    Jessy103 Posts: 2,345 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry to hear about your parent. Best wishes to you and the family x
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Watty1
    Watty1 Posts: 7,082 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to read about your parent. Such a hard time 
    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 !!
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