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Debt and Caring
Comments
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Seems like my energy level is coming back. Slowly.
I still can't quite get up in the morning though, it's a struggle to get up by 8.
Cracking my head doesn't help lol.
Is your energy back after your bout with yhe lurgy?1 -
This is week three for me - and I felt a noticeable improvement in energy yesterday and today. Give it time. I have however avoided most non-essential activities including my balance classes - in the hope that I then avoid long covid. I hope to get back to exercising next week. I have done extra steps this week though so it's not all bad.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 13/9/251 -
Glad your energy is coming back.
Two teabags!!!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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Sitting outside with tea (one teabag I have learned my lesson, hopefully) watching the trees sway in the wind.
It has rained overnight and everything feels quite refreshed.
I think my low energy was a combination of factors- had I been sick and just taken to bed I probably would have been ok. As it was I was likely undereating quite a bit. Plus the heat. And hormones 🤦♀️
That being said, I do quite fancy two teabags now...
Off to walk the dog instead.
2 -
Whew. That was a morning and a half. Dad's care has taken some interesting cough turns.
I have ordered the wheelchair. I realized that it was likely perfectionism holding me back from ordering it- eventually just figured that there would be something wrong with any that I bought. I'd just have to adapt.
Also figuring out the ramp situation, once again this house has proved contrary with 8 inch high steps at the front door. No wonder dad always looked like he was plummeting when he stepped down.
It is definitely a two teabag afternoon.3 -
Well done on the wheelchair. Hope you find a ramp solution.
Glad you managed to get out for some 'you' time.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 13/9/251 -
Great you bought the wheelchair. Hope the ramp gets sorted...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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Woke up early then didn't get up til late eek. Debated which element of the morning was going to have to go. The dog wasn't in the kitchen when I finished breakfast so...
Gone straight to the two teabags this morning.
Had a brief moment this morning where it felt like I had the house to myself 😀
In financial news...
Money for mortgage transferred yesterday.
And have now just realized I don't have money for the dentist on Tuesday. Will have to borrow from Teacup.
Still looking for insurance for the flat.1 -
It does feel like I have been doing laundry for 900 years.
Creative side seems to be waking up, had the urge to capture this morning's breakfast scene. Now I just have to learn how to paint 🤣🤣🤣2 -
Take photos for now - and then use those as a reference point to draw and then paint...
Hope you manage to balance the budget.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 13/9/251
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