📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt and Caring

Options
12021232526201

Comments

  • @savingholmes do you mean a checklist for hoarding?

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes that Social Workers use to determine whether action is required!!  

    A friend of mine was showing me photos of her GD's 'terrible' bedroom. Just looked like a normal teen to me... I think it all comes back to expectations and what you were brought up with not just how cluttered a space is. I also liked someone I found on youtube that suggested that people will overflowing spaces may be visual organisers - and therefore needed different organising techniques to someone with a different style. There are of course levels... 
    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 found a social work checklist online- they use a traffic light system and I'm in the amber I reckon. Not because I have an emotional attachment to stuff but I suppose because I never really knew what I wanted. Or thought I could get it.

    I have been looking up options for services that might be able to keep up the flat while I can't get to it. One was a social enterprise which I like the idea of. I just need to get prices, I'm still at the research stage.

    Funnily enough the babysitting has helped me realize I do know how to organize some things! We were making bread yesterday and I was able to correctly order the steps.

    Money wise I am still in a waiting period. I think I have done the maths without forgetting anything. Somebody may come and get the gym equipment I'm selling tonight. Babysitting lady paid me in cash so I'll hang on and see if the person comes tonight with cash as well so I don't have to pay twice to deposit it. 

    Next up is finish the shed. Perhaps should have checked the weather before starting this one as the heatwave is not the most enjoyable cleaning temperature 


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done for reading the checklist. It encourage me to challenge some of my own behaviours.


    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
  • @savingholmes I was babysitting 10 hours over 3 days. It was fun and something a bit different. But it was exhausting.
    People definitely have different ideas of what constitutes too much stuff and where it should go. I just have executive dysfunction, I like things to be in stations ie all the things I use for something in the one place. One of the fun things I'm thinking about (bittersweet) is the redesign of my flat to suit what I want.

    Luckily I didn't do anything with transferring money as I forgot that my dad's birthday is on Tuesday. I also nearly put the gym money into the mortgage money. 🤦‍♀️

    Today I took the majority of the paint cans and chemicals to the tip. I also (bibliophiles look away now) threw away books. Take that hoarding tendencies! Usually I would donate books but the local charities have reduced the amount they take and there isn't really an appropriate other option here. So they just get moved around the house. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the decluttering. I know firsthand how hard that can be so huge achievement. Well done.

    I hope you manage to juggle your finances
    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
  • A two teabag day and it's only 1 o'clock. I made the mistake of eating a chocolate bar yesterday and I'm now 'enjoying' the resulting sugar hangover. 

    Frankenwardrobe has been dismantled and I now have almost everything lined up against one wall in the bedroom which gives me a good floor space. The storage boxes now look like Clutter Corner but then I just used what I had rather than measuring out the space. 

    Two responses to my emails re UK flat- both nay. Have gone down a bit of a rabbit hole on cleaning services, ending up on a website which included trauma cleaning. Yuck. 
    I got a bit excited at the idea of a company that sells stuff on ebay for you but it turns out they only take stuff worth over £25. 

    The other benefit of the hoarder checklist (thanks again SH) was the idea of self neglect. I can't get on with the idea of self care, it just makes me cringe. The idea of not neglecting myself resonates better with me.

    Gym tentatively planned for Wednesday- I think I have everything I need now.

  • Slightly spendy day. Went to tesco to get the ingredients for dad's birthday cake and do a shop. So tired by the time I got there I was yawning all the way round.

    Dad's cake in the oven now, don't think I'll need to do an arm workout after zesting two oranges. Note to self, buy oranges that fit in one's hand.


  • Cake did not turn out badly phew.


  • What a lovely looking cake 💕💕 xx
    slowly working towards being MF one small over payment at a time :T
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.