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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
    Hope you find something suitable. Not easy when you are trying to make the most of a small space. Have you considered over the door organisers?
    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
  • Hope you find something suitable. Not easy when you are trying to make the most of a small space. Have you considered over the door organisers?

    I think it's more of an aesthetic consideration at the moment. I don't have much stuff here really but in a small space it can look very cluttered. Franken wardrobe has overdoor hangers
  • Buying organization products cheered me up today. Although I had originally gone out to buy a steam cleaner, I came home with four storage baskets, two rolling crates and a small magnetic whiteboard. 
    And no steam cleaner. 
    I only felt mildly bad about spending the money which is an improvement. 
    I think I could genuinely bankrupt myself if I was to go in the home store again though.
  • Oh and 7.99 spent on a kindle book. Which basically articulates everything I have been thinking about cleaning and organizing.

    How to Keep House While Drowning by KC Davis
  • GhibliFan
    GhibliFan Posts: 125 Forumite
    100 Posts Second Anniversary Name Dropper
    I think I bought that, too.  Is it the one where the author has a baby to look after,  also she's a bit autistic?  I keep meaning to read it but haven't got round to it yet.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Let me know how you get on with the book. Sounds good 
    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!
    Book sounds good. Great title.

    I am also in a box room surrounded by stuff and about to bring in a huge piece of equipment so I can do creative stuff here at any time of the night. There is no floor space as it is...
    Organisation products are needed! I hang about packers in the SM and ask them for boxes, then pack them then pile them up...

    I have a steam cleaner ok, it is in storage but love it. Wouldn't be without it. I sprinkle tea tree about and clean with steam. 
    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
  • Have decided to give myself a break this week. I went to lidl and bought 4 tubs of soup and four bags of frozen mixed veg. This takes the decision making out of the equation, for my own meals at least. 
    More baskets bought, my thinking was some would be for downstairs but I'll probably just keep them in my room. 
    Spent €3 on the dryer at the petrol station- laundry is one of my most hated life admin tasks. 
    Clothes are now sorted into 'uniform' and 'occasional' wear. I mostly wear the same outfit every day but every now and then I'll fancy an outfit.
    Decluttering the rest of the house is not going well, had somebody scheduled to pick up a desk only for them to message to say they'd tested positive this morning. Keeping it now until they're better.

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Being kind to yourself sounds good. For me that looked like crunchie blasts ;)
    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
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