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Debt and Caring
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Good luck with sorting the room. Can you ask anyone to help?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 29/7/250 -
Teacup and I are doing it- have to watch her though or she overdoes it.
Quite handy timing really- the freezer in there needs to be defrosted. And I've been wanting to give the window and blinds a good scrub.1 -
So far-
€303 paid of €403 minimum to catch up.
Buffer of £30 in mortgage account.
Was going to buy stuff but then remembered that I have the gym payment this week coming 🤦♀️
The warm pyjamas have taken the place of everything else as I have taken to going to bed in a jumper.1 -
polo neck as that is the bit that lands up cold in the night.
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Hoodie a la South Parkbadmemory said:polo neck as that is the bit that lands up cold in the night.1 -
I had a nightie and PJ's on the other night. Very glam not...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 -
Last night it was pyjamas, jumper and hot water bottle. But...
I SLEPT THROUGH THE NIGHT!
This has to be commemorated somewhere as it is the first time in months I have not woken.
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Glad you got a good nights sleep. Can't beat feeling cosy and warm.
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy2 -
Another one pleased you slept through. I slept well after 3 nights of broken sleep. I added an extra layer of warmth to my bed and it made a difference. I also had a big worry that I let go of and that helped too
Have a happy, productive dayIf 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 -
Thanks Chrystal and DIA.
I am now zonked again but it is good to have that reminder.
Hospital bed arrived in usual Irish chaos. Told us 3pm, phone call at 10.20 to say it would be there in an hour 🤷
Room already mostly cleared but bed left to be dismantled and me leaving for work at 11.40 made it all a bit frantic.
Money wise I have cancelled-Patreon £4.99
Will be cancelling-Audible 7.99 once credits are usedGym 59 at end of three month period
My schedule is in a state of disruption once again so currently just trying to get a handle on it.3
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