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Debt and Caring
Comments
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That all sounds very sensible and well thought-through. Well done for keeping all the plates spinning for long enough to pay extra debt repayments, and well done for working out your affordability test, and recognising when you couldn't sustain that amount of work anymore- I don't think most people could have hacked two intensive jobs for as long as you have!
Lovely to see you back here 😊https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 50
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r64 -
Today marks the start of my final week cleaning. I am sad to be leaving as the people here are so nice but can’t say I’ll miss the work. Although it has given me a good base for cleaning at home as it was all so repetitive.Physically though I am in bad shape, not sleeping through the night or eating anywhere near enough, let alone nutritious.I have this week left then I am on holiday from Sunday for a whole week! Although I am booked to see my occupational therapist one day so that is less holiday like.6
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Treat occupational therapist like one of those spa treatments no-one in their right mind actually enjoys but partake in with the hope it'll be good for one's wellbeing, if only because you feel better once it ends. Get something nice to eat and drink in, light a candle, make a day of it.
You can even have a freezing cold bath/shower for the full 'I am having a nice wellbeing day and I WILL have it, through gritted teeth' experience 😁https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 50
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r65 -
Welcome back. Sounds sensible on the jobsAchieve 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 13/9/252 -
Well I didn’t win 182 million on the euro millions so it’s back to work this morning 🤦😜
Early start for a blood test- managed to forget an appointment last week so took whatever they could give me to get it over with.
Was way ahead of you on the holiday at home PiP u til I remembered Sister Act is on mat leave so won’t have the house to myself. Sigh.The train just went by while I was waiting at the bus stop and I did think maybe a day out on the train? But I have been having trouble going anywhere by myself lately so I’m not sure.3 -
Might as well get on it and see how you feel, if you only go one stop at least it'll be a change of sceneryhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 50
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
Well done on deciding to stay with your postie job and enjoy your trip next weekDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
A little explore can blow the cobwebs away.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 13/9/252 -
Tonight marks the last night of holiday, sigh. It has been lovely and perhaps better appreciated that holidays have been in the past. I am not too sad to go back to work mostly because I have done little but eat junk this last week and I need to work it off.I had a wee meltdown last week which snapped the chains holding me back money and food wise so I have spent a bit this holiday week. I don’t think I can call it over spending as I have actually put all my desired amounts into the relevant accounts.
I did go on a day out by train to somewhere close and familiar. And that was fun.4 -
I am so tired I genuinely considered going to bed at 18.37🤦
This was the first week back after holidays. I would have liked to get things done at the flat and garden, taking advantage of the hot weather but was limited by the overwhelming feeling of being back after holidays and all that entails. Especially as I was sent to another office to work for the week 🤦 I did manage a single visit though which has set me up for various next steps.It is now legitimately time for bed I feel. An early night is definitely in order.5
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