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The turtle moves.... slowly

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Keep the boxes, save on the Feliway 🤣!
    Seconded! More MSE too
    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
  • I did have plans to create a sort of gigantic box activity centre for the cats out of the moving boxes, by sticking them together and cutting holes for them to move between boxes….not happening now. Maybe I’ll save it for their birthdays 🤣
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • edinburgher
    edinburgher Posts: 13,867 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    My cats think boxes are toilets  :o
  • redofromstart
    redofromstart Posts: 5,839 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Mine think smaller equals better for sleeping, but that bigger boxes are toilets.
  • joedenise
    joedenise Posts: 17,680 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I agree with @GeorgianaCavendish about small rounding up as overpayments on the mortgage.  I also used to Tilly tidy the bank accounts to make additional small overpayments - I sometimes did this daily other times weekly but the little bits certainly all add up.

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Are you okay? Just checking in.
    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
  • Thanks for checking in SH. I’m having a bad health patch and dealing with some pretty crushing exhaustion and pain, I’ve been signed off work and I’m just trying to get through each day. Have fallen off the forum a bit because I just don’t have the mental bandwidth for keeping up with things. And then the longer you’re away the more of a mountain it feels like to climb to get back. 

    Not keeping as tight of a control on the budget as I’d like but I’m still using ynab and I’m not getting into debt, just not being as ‘good’ as I could be. It’s a bit scary because summer has historically been the time my health has been better and then it gets worse in the cold and damp winter, but as my dr says recovering from the move will take some time and I just need to be patient. Hopefully I’ll see some improvement soon 🤞
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • joedenise
    joedenise Posts: 17,680 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hope you feel better soon.  Give yourself time to get over the move.  It's tiring enough if you're healthy but more so when you have health problems.  Look after yourself.

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What your GP said makes sense. Hope you recover soon 
    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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