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Debt and Caring
Comments
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fluffy view toward the mountains
4 -
Gorgeous view.
Glad you managed work okay.
Hope your facial swelling settles soon.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 14/11/251 -
Great news on your dad walking again - long may it lastAchieve 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 14/11/252 -
I was up last night trying to figure out home insurance. In the end I have gone for a 3 month policy to give me some breathing room while I figure out the next steps. Annoyingly none of my credit cards would work so I ended up paying for it in cash.
That puts me a week behind with other payments. It does feel like I'll be playing catch-up again. Prescription to be paid for next week, that can come out of work money.
I'm trying not to let the money obsession take over.1 -
You could allow yourself to spend the equivalent of the insurance on one card to balance it up and get you back on track with other payments2
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Annoyingly the things that need to be paid for are all cash only. Except prescription I can put that on a card.
1 -
This is how it goes.
I go outside to sit down in hearing distance of dad.
Sit on the ground leaning against the wall perfectly fine.
Then it rains and I bring out a cushion so I don't have to sit on the wet ground.
Think to myself it would be nice to have a chair out here.
J's chairs are those nice Adirondack style wonder where she got them.
Goes no further until lo and behold the chair is discovered on sale at a random time for €18. Thats not expensive at all methinks.
Gah! I have no money or storage space for chairs. I did not buy the chair. But that was only this morning so...
Set the alarm for 6.30 this morning to see if I could get up. Couldn't as woke twice in the night.
Things to Think about this week:
-fixing my sleep
-clearing the shed to make storage space
-clearing the living room-making time for fun stuff3 -
What kind of fun stuff do you have in mind?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 14/11/251 -
Sadly enough I don't have any ideas. I have been looking up professional organizers and garden service for my flat if that counts 🤣🤣🤣savingholmes said:What kind of fun stuff do you have in mind?1 -
It counts if it soothes you and makes you happyAchieve 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 14/11/252
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