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Debt and Caring

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Comments

  • WelshmansDaughter
    WelshmansDaughter Posts: 1,687 Forumite
    1,000 Posts Third Anniversary Name Dropper
    SH friends have sort of melted away in the last year, not that I had many to begin with. If I'm honest I want to feel the sense of satisfaction from cleaning up my own mess. 
    Unless the gardener is reasonable. 
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,687 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Stymied I did consider that early on but I don't know anyone useful like that sadly.
    I don't mind people in the space, I'm not that kind of hoarder. 
    The type of thing I do is start projects and not finish them. Then all the various bits and bobs build up. I have a problem with interpreting body sensations and managing my energy. I can get really far into something, past the point of no return and then have no energy (mental or physical) to finish it.
    My biggest problem (that I am aware of) is not being able to put all the information together. I am learning to make choices but it is a slog.
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,687 Forumite
    1,000 Posts Third Anniversary Name Dropper
    edited 23 August 2022 at 11:23PM
    Today's To Do

    Work DONE 
    Meal plan DONE 
    Online grocery shop DONE
    Empty big plastic box DONE 
    Brain dump flat needs STARTED 
    Prep for baking with the kids tmro DONE
  • stymied
    stymied Posts: 658 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Sounds like you’re doing really well, @WelshmansDaughter. It’s hard having to learn stuff that other people just seem to magically know isn’t it?!
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,687 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Tbh @stymied the more I see of the world the less I think anyone knows what they're doing. 

  • doingitanyway
    doingitanyway Posts: 10,201 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Your done list is looking 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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are making good progress. A great decision just to let things go. Less to worry about then. 

    I know the feeling of over-committing and then lacking the follow through... I'm lucky mine is part painted areas or masking tape hanging on (for years cough) rather than anything more major.
    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
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,687 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Home from work yesterday with pink arms and ringing ears. Smallest hooligan decided her hands and feet needed to be painted pink 🤦‍♀️

    Dad went to sleep at a reasonable hour last night, made the adult decision to go to bed instead of working on anything. Bit frustrating but had to be done.

    Waiting On List
    Garden quote
    Tip booking system
    Deposit cash

    Signed up for Wise to transfer money to the UK. I did a big transfer via bank and it was a lot less than I was expecting so I had a look for alternatives. 



  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Revolut could be another option. PM me if you want a referral code. I used it to send transfers for free when DS was in Oz.
    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
  • evebeme
    evebeme Posts: 95 Forumite
    Fifth Anniversary 10 Posts
    I think Revolut could be having problems at the moment. I was about to join til til I read the terrible reviews. I wouldn't trust it with large sums of money.
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