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Debt and Caring

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Comments

  • doingitanyway
    doingitanyway Posts: 10,190 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Welcome back. Great that you had an opportunity to spend time with your brother.
    Good to know you are managing the job. All sounding good.
    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) 25/072025
  • Cherryfudge
    Cherryfudge Posts: 13,559 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Good to hear from you! I'm in August as well so I while it may seem a strange experience, you're not alone.

    I wonder how many steps you've done since you started that job?

    Enjoy your Monday off. :) 
    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 21/3/22
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are holding steady. 
    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 13/9/25
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,629 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Nice to see you posting.
    Going to work is a very good achievement!
    Great that you could support and encourage your brother, well done, these things aren't easy.
    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/do9nSyy8u4nikx6r6
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,687 Forumite
    1,000 Posts Third Anniversary Name Dropper
    4.8 million steps since January 2025 Cherry. Although my Fitbit has taken against charging so that's missing a couple of days.
    Down with yet another illness, this time a cold which unfortunately coincided with shark week. Poor brain doesn't quite know what's hit it after a combination of painkillers, too much sugar and too much thinking.


  • WelshmansDaughter
    WelshmansDaughter Posts: 1,687 Forumite
    1,000 Posts Third Anniversary Name Dropper
    I have been in my job now 8 months or so and I think I can safely say it is the strangest place I have ever worked. And I have had quite a lot of employers. Even libraries, a place known for strange people, was not as odd. 
    Apparently I have to book all the annual leave I have left (with seven months left in the holiday year). No explanation has been given as to why. Apparently the long term posties (different contracts) all book their leave en masse in some weird North Korean Hunger Games numerical group nonsense. I only know this because I asked one to explain it to me. 
    No indication of any of these procedures are explained to you before you take the job. Which may explain the 'ahem' unique workforce.
    The PDA part of my brain is gearing up for battle.
    The sensible part is wondering do I bother looking for another job now or wait. 
    Financially I'm still feeling like I can't quite pin things down. Which is where I am at with everything in my life. Establishing a life for myself has been slow going 🐌. Even without fractured thinking and poor decision making skills. 
  • Cherryfudge
    Cherryfudge Posts: 13,559 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    4.8 million steps since January 2025 

     :o That's impressive.

    My Fitbit is getting temperamental about charging, too. I have to double check it's actually connected, and the charge doesn't last as long these days, but then I've had it for years. The next one will be a cheap version, DH got his for about £16 though it doesn't do as many things as mine does.

    What a palaver about the leave. Is it so they don't get everyone booking March off and have no staff left?

    I hope you're feeling better soon. How are your sister and the boys?
    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 21/3/22
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,629 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    If you're still okay with the job then just book the leave, a random week off before the weather really turns, a week in December to sort/enjoy Christmassy things, days here and there to have a long weekend, lots of nice options!
    You're doing great 💪
    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/do9nSyy8u4nikx6r6
  • Fitbit has officially bit the dust so it has been added to the toy box. I will never officially hit 5 million steps now lol.
    As far as I can tell there is no actual reason for any of the rules they have in this place. They just appear out of nowhere and try to make you feel like you're the crazy one.

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