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Debt and Caring

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love pancakes. I had some Friday night 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Fairly good morning, fairly horrible afternoon. 
    Had a bit of a meltdown usual overwhelm at lack of alone time. It's not the caring for dad that gets me, it's never having any time to myself. There is always someone home. If I go out it is just a different set of factors to negotiate and doesn't really end up as relaxing. I also live in a 9 foot by 9 foot room. This it turns out just feels full of stuff no matter what I have in it. Also, I kinda want to take the art stuff and everything else out and just have it as a relaxing space.


    Have been looking at plans again as sister now has something on this year which might have an effect on a June trip. May is bank holiday ridden plus a coronation so that might be out price wise. 

    Also might not have the money, let's face it. The June grant might need to be reserved to get a better chair for dad, as well as add to the activity wall I'm planning. 
    I haven't finished reading your diary yet but this REALLY spoke to me. I have been caring for my Mum for a few years now and because she has been relatively well the house has been a nightmare for years.  When she went into hospital it was awful and then when I had to sort the house out it ended up with all her stuff in my room (and the spare room) and it was rough and most recently I have just donated a lot of my stuff because like you I live in a room and it is my only privacy and in my case I am sick of it being full of stuff! Also, mum has a LOT of towels and they are everywhere. 

    Also I find it really hard to have people in and out of the house all the time. I mean it is fine, they are nice but I just want not to be 'on' all the time. 

    Just wanted to say hi XXXX 
    Nevertheless she persisted.
  • Pancakes were so so SH as they were delivered lukewarm but hey ho. Didn't have to make them myself. Although I do have a nice recipe for pancakes using ricotta/mascarpone cheese. 

    Welcome Buffy. Thanks for reading this far into the madness. Also love the username.
    It really does make a difference when your whole life is crammed into one room. 
    My room was the family dumping ground/attic overflow for years even though I was the one who came home most often.
    And yes, I find myself needing a break from the people who come to give me a break 🤣🤣🤣 It's difficult being 'on' especially when you have little choice about who is coming and when. 
  • badmemory
    badmemory Posts: 10,036 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Can you get things in Ireland without paying the VAT as you can here for someone with a disability?
  • Cherryfudge
    Cherryfudge Posts: 13,790 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hope all's well and you are just having a break: missed you the last few days. :) 
    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 21/3/22
  • doingitanyway
    doingitanyway Posts: 10,344 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Hope all's well and you are just having a break: missed you the last few days. :) 
    I was thinking the same. I've got used to your pattern of posting I guess... :)
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • By pattern you mean random warblings right DIA?
    All is well CF. Dad is in respite this week and I have been attempting a slower pace as well as visiting him.
    Some changes ahead in my priorities that I am not sure if I am ready to talk about yet. May be a tad quieter while I process.
  • Glad you are ok and just processing.
    Enjoy your respite week
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Cherryfudge
    Cherryfudge Posts: 13,790 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I hope your Dad's respite goes well for all concerned. Good luck with the slowing down - not as easy as it should be, is it?!
    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 21/3/22
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