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Debt and Caring

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  • I have joined the family carers group because they offer discounts on gym membership 🤷
    It's probably just unaffordable but I need to do something that gets me out of the house. And is preferably energy giving.
    I'm spending far too much time on YouTube and have become addicted to watching hoarders. 

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you manage to get to the gym as it does sound like it will be beneficial
    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!
    The gym sounds like an excellent idea. Something just for you.   
    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
  • Bonus points to me this morning. Have gotten showered and dressed before the public health nurse turns up.🤣🤣🤣
    Contacted a garden service about my uk flat. This is likely to be spendy, at least initially. I've read through a good deal of insurance documents though and I'm concerned that it is a fire hazard as well as looking terrible. So I will need to find money for that.
    Listed some gym equipment on fb marketplace. I don't have great expectations for success but I'll give it a try.
    Dad's latest- when asked what he wanted for his birthday, he replied that he wanted to make it to his birthday.

  • doingitanyway
    doingitanyway Posts: 9,944 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Aw love your dad's response.
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on being up and dressed before your visitor arrived. 

    I think I've done well if I'm up before my cleaner gets here and she only comes once a week!

    Hope you find a cost effective solution to the garden. 

    I get where your Dad is coming from - was it a more lucid day for him - or is he normally like that anyway?
    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
  • I'll be honest, sometimes Dad's too quick witted for me. His trouble is with retrieving information and putting it together.

    A spendy day today. Got my prescription sorted which involved phone calls. It wasn't as difficult as it would have been in the past. Weirdly it cost less for two months than it did for 5 weeks.

    I haven't been eating well lately so I bought two ready meals of the 'fitness' variety. Ate both for lunch. Turns out a 600 calorie lunch is just about right.

    Still waiting on a quote for the garden. Did organise a second recycling bin for here though hopefully. 

    Getting the odd message about the pull up stand I listed on fb but the usual 1 question then no response.

    Going to try a massive breakfast tomorrow to see if that helps with cleaning work. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely time to practice self care. Have you made it to the gym yet? Don't forget your cleaning will all be helping your fitness too.
    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
  • 'Do zombies have tongues?'
    I'm not sure a five year old is best placed to answer the question but she gave it some thought ;)
    I've been co-opted into babysitting this week which neatly takes care of about 3 months gym membership. I have a 7 year old who didn't want to go to summer camp to thank...

    I thought I had sold the gym equipment but she changed her mind, boo. I'm just gearing up to look at the other messages all of which seem to be of the slightly pushy variety. 

    I've been watching Hoarder clips on YT and I definitely see myself in a lot of the behaviours. Thankfully I never got to the point of no return and lived in biohazard but it is something that I will need to work on. I can't get to my own house so I got fired up and started here in the parent's house. On the worst place imaginable. The shed. A lot of it is Dad's stuff from yonks ago. And a lot of it is difficult to dispose of waste, this morning we had an oil spill on the patio. And now I'm at the point where I would usually abandon the project. But I am going to persevere. Although possibly not until Thursday- babysitting is hard work. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Babysitting is hard. How many days are you doing it?

    I too think I would descend into hoarders territory if it weren't for having a family - and religiously paying a cleaner (and now a counsellor too). There's a checklist that they use.... it's not pretty. Well done for tackling it. I find other people's clutter much easier to deal with - but I too have a shed of doom. I have considered trying to give some away on Olio. Radiator cleaner anyone? etc
    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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