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Debt and Caring

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the photo!

    Good luck on the health baby steps.
    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 10/10/25
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,718 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Thanks @doingitanyway and @savingholmes

    The dog is technically my brothers but will accept attention from anyone willing to worship her/take her to bogs or beaches/feed her.
    The book is How We Change by Ross Ellenhorn. I'm the same with buying books although that expense has been reduced since living in Ireland again. Not because I have developed self control but because you can request books from any library in Ireland.
    Health wealth is a phrase from a website email I got yesterday, the meaningful phrases are abundant this week.
    Photo is of a track in the Wicklow Mountains National Park. It's from the old peat farms.
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,718 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Oh @doingitanyway I'm also reading A Trip of One's Own by Kate Wills which I suspect you might enjoy
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,718 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Actually I'm thinking about books now (well I think about them every day) so that is something fun to write down. Seeing as I have no money to talk about lol. Also I'm waiting to see if Dad wakes up 🤷

    CURRENTLY READING 

    How We Change by Ross Ellenhorn 
    A Trip of One's Own by Kate Wills
    Left on Tenth by Delia Ephron
    Bird by Bird by Anne Lamott
    A Place for Everything by Judith Flanders

    I'm also reading a couple of dementia books. 
    And yes I am reading more than one book at a time a la Rory Gilmore.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another great photo
    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 10/10/25
  • doingitanyway
    doingitanyway Posts: 10,322 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I love the dog and the beautiful photograph. The landscape where you are is gorgeous. Lucky you to have it on your doorstep.
    Thank you for the book list. Nothing, except maybe cake, excites me more than a good book list. I have already looked up a few of the books and they chime with me. I am going to the library today so I will see if they have any from the list in stock. Thank you.
    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) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,322 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Out of the whole long list there wasn't one book I could take out. I have Bird by Bird by Anne Lamott on order, so there is that...
    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) 25/072025
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,718 Forumite
    1,000 Posts Third Anniversary Name Dropper
    doingitanyway said:
    Out of the whole long list there wasn't one book I could take out. I have Bird by Bird by Anne Lamott on order, so there is that...
    Ha not surprised they are a pretty eclectic bunch. The Ross Ellenhorn one is only 2.99 on Kindle though. It looks like he has another one coming out this year which looks good
  • GhibliFan
    GhibliFan Posts: 125 Forumite
    100 Posts Second Anniversary Name Dropper
    What an interesting thread! I'll be cheering you on, WelshmansDaughter.  Caring for a loved one with Dementia is so hard.  What Dementia books are you reading? I enjoyed The Little Girl in the Radiator.  
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