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Debt and Caring
Comments
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Love the photo. Stunning contrast.
Oops on euro issue...
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 13/9/251 -
my new favourite thing
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Ha ha - adds a bit of elasticity to the concept of the snow ball!WelshmansDaughter said:my new favourite thingI think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/222 -
@Cherryfudge 🤣🤣🤣🤣🤣2
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Santa's little helper plotting her route
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Lovely photos.
Love the ultimate fidget ball.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 13/9/250 -
Today has been a very spendy day. Passed out last night with new ear plugs in. Didn't hear Dad, didn't wake up til 5am. As a result was very hyped up and spent all the money.
Turns out don't go shopping when you're hungry applies to stationery and organiser shopping as well 🤣🤣🤣
Still had the emotional reaction that I couldn't afford anything even though I had checked beforehand. And teacup bought some of the stuff.
Have various bits and pieces left to do but room is now mostly organised in an easy to clean way.
Budget is now shot to hell however as I remembered that someone needs to buy teacup xmas/birthday presents from dad. This is usually me.
And... Mortgage payment has gone up again. At this rate it is practically going up once a month.
So tomorrow's job is to do budget no 973.
I have applied for a temporary job, not sure if anything will come of it. I'll add my CV to the website at some point so I can apply for jobs quicker. Just depends how much sleep I get this week.
I'm considering all my options for care planning including going to work and paying someone to look after Dad. It all depends. I'm not making any decisions just yet.
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Very wise, not making significant decisions in a hurry if you can help it.WelshmansDaughter said:
I'm considering all my options for care planning including going to work and paying someone to look after Dad. It all depends. I'm not making any decisions just yet.
You must have needed that sleep. Enjoy the stationery, it's always a treat.
Love the little outfit on the dog!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/222 -
Spent yesterday making an office in a box.
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Well done on the office in a box. How deep and wide does the crate need to be - as I saw that mentioned on utube...
Good luck with the job hunt and budgeting.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 13/9/251
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