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Debt and Caring
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Whenever I create anything, there is a time when it is a worse mess than before I started. Then I wonder what on earth I am doing. Just keep going. You are clearly making progress.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) 25/0720253 -
doingitanyway said:Whenever I create anything, there is a time when it is a worse mess than before I started. Then I wonder what on earth I am doing. Just keep going. You are clearly making progress.
Oh how I agree with this. My problem is I get part way through & then get bored with the whole thing & it stays that mess for ages.
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badmemory said:doingitanyway said:Whenever I create anything, there is a time when it is a worse mess than before I started. Then I wonder what on earth I am doing. Just keep going. You are clearly making progress.
Oh how I agree with this. My problem is I get part way through & then get bored with the whole thing & it stays that mess for ages.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 29/7/251 -
Thoughts are quite scattered today thanks to a late night. Willpower non existent.
In my room here in Ireland it is almost a training centre. None of the raw materials are rubbish or items of no value. There are too many of some things (why so many notebooks?) But it is now more a case of arranging the room and things in it so I can spend time in it how I want to.
Two walls and skirting have been cleaned and I think all the masking tape removed.
The stuff in my room has been sorted, clothes are put away so next is create some kind of work area.
Started work yesterday, eldest child was upset that I wasn't picking him up as well so need to come up with some kind of cunning plan to compensate.
I have ordered a tile scrubber brush to start cleaning the main bathroom. After clearing my garden I am definitely erring on the side of getting the proper tool for the job. The walls and floor are tiled and absolutely filthy. So tile brush it is. I'll do a test run with it sometime this week.1 -
Would bleach work on the tiles or is it just not that kind of dirt??
Well done on the progress in your room and on the childminding duties.
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 29/7/251 -
I was going to use hot water and detergent SH but it might be an idea to throw a capful of bleach in. It's mouldy dirt.
Managed to briefly lose one of the children today. Not sure I'm cut out for this babysitting malarkey.1 -
Every parent loses their kids at some point - I think it's harder if you don't have the eyes in the back of your head that a parent develops...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 29/7/251 -
The school gates were a whole other world- that many small people in one place🤯
Started a five year financial plan last night. It's part of the way I want to organise my time going forward. I'm getting too bogged down in all the day to day, sometimes minute to minute and making far too many real time decisions.
I was watching an episode of grand designs and they had a qr code that you scanned to see how the entire house worked. I'm working toward something like that.
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Re-entry week has been a mixed bag. I've earned extra money, dealt with tantrums, tiredness and toilets; I've even found myself with empty baskets.
This week hasn't really seen me any further along in well being goals. Although I do have my yoga mat spread out on the floor and at a push, cleaning the years of accumulated gunk out from behind the radiator could be described as health giving...
At this stage, I'm a bit of an empty basket myself (basket case?)
Priorities now are working out what I can afford to do next.
I would like to buy--Hair straighteners-Cronometer annual membership
-Domestika course(s)
I have to--put a buffer in my mortgage account
-catch up cc3 minimum payments-get past the 1900 mark of doom on cc2-pay utility bill
I would like to--get a clear idea of a schedule
-go to the gym!
-get going with second brain organiser2 -
Ok, slight change of plan needed. We were bumped up the list for a hospital bed and now it is going to arrive on Monday afternoon. Ideally I would like the room deep cleaned before the new bed goes.
I'll have to take measurements but I suspect the room will have to be emptied before we can get the bed in.
A fun weekend ahead2
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