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Debt and Caring
Comments
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I may or may not have been out in the garden sawing down branches and what not this morning. It felt quite enjoyable and mildly therapeutic at the time. I have missed the garden.
The cold is now a mightily frustrating cough. How times have changed though, I have so many cold etc remedies now whereas I used to just get on with it.
They ain't half expensive though.
I am considering a walk beside the river to blow out some cobwebs but that may turn into a nap.
Still formally undiagnosed SH. If I can afford one next year I shall probably do that. I'm on the waiting list here but it's two years. I will look up elopement1 -
Got quite tired in the writing of the last post and so ended it where it was.
I was thinking something along those lines, a back up plan as it were Cherry. But that shall be postponed until I am no longer coughing up my lungs.
I have gone for a Lovely Walk down to the river beside where I live. I have been avoiding it as it meant that I was home and well, Dad was gone. But actually I felt quite peaceful and close to Dad there.
However there may have been another reason for avoiding it and that is what goes down must go up again. I was thinking to myself as I rounded the last hill before the river oh oh. Don't over do it you'll have to come back up again. And subsequently I overdid it and am now standing writing this half way up a hill for motivation.2 -
When we went to a stately garden yesterday, the gardener jokingly told me could do some weeding, so I did. It made me happy. Gardens are, to paraphrase a meme, the best therapy, and you get tomatoes.
One thought: if it wasn’t you sawing down branches in your garden, who was it?I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/221 -
Garden fairy1
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Glad you felt close to your dad on your walkIf 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
a fire not strictly necessary today but I am enjoying the flames.
Upstairs appear to be having some sort of row which is unnerving, however the fire is keeping me calm enough. Below is the river walk.
3 -
The river is beautiful. And isn't the water high!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/221 -
Photos are lovely.
Hugs.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
Yes it was unusually high water yesterday, couldn't remember seeing it like that before. That being said, it is not a walk I generally do in winter as the path is permanently shaded and sometimes has ice up to March. And also path may be a misnomer as in places it is little more than a trail.
Still coughing. Having a debate with myself about going out to get a magazine and some downloads from YouTube so I have something to watch (no Internet in flat). Found myself watching an episode of abstract yesterday that I had previously downloaded and enjoyed it.1 -
Beautiful photo of the river. I would love to walk beside it!
Hope your cough goes soonIf 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252
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