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Debt and Caring

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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?
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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
  • doingitanyway
    doingitanyway Posts: 9,944 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,674 Forumite
    1,000 Posts Third Anniversary Name Dropper
    edited 23 July 2022 at 9:33AM
    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.


  • 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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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
  • doingitanyway
    doingitanyway Posts: 9,944 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • 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.
  • 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 🤣🤣🤣
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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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