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Debt and Caring

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with your future plans.
    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 29/7/25
  • badmemory
    badmemory Posts: 9,610 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    My son wears ear plugs under his headphones, which seems to help.
  • badmemory said:
    My son wears ear plugs under his headphones, which seems to help.
    Yes I have done that as well. These headphones honestly take the stress of sound perception away almost entirely 
  • stymied
    stymied Posts: 655 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    I honestly believe we’re all on the spectrum to a greater or lesser extent. I know I don’t consider myself to be neurotypical. It’s all about coping strategies and being kind to yourself. I’m glad the headphones are helping x
  • Well I suppose thats true in a way, the human brain can only do so many things. And where you sit on each thing is what determines your nature. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think quite a few people me included on here have ASD - but it can be used as a force for good -and once you know you can plan things better so it is less limiting... You can potentially access more support too - if you qualify for extra 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 29/7/25
  • ASD has been a huge advantage for me during my life. Trying to go against my nature has been the root of many an error.

    I will confess that over the last few weeks I have spent quite a bit of money. For now I have accepted that these are steps I need to take to go to a place where I can do more. 
    I may not know how much I have spent but I know what it has been spent on.
    -bills have been paid. Some late.
    -art supplies
    -toiletries
    -food
    -books
    -tea from coffee shops

  • Cherryfudge
    Cherryfudge Posts: 13,224 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Those sound like reasonable ways to spend money, @WelshmansDaughter. I'm planning on treating myself to some bits to try a craft project from a new book I've been given. I love being creative! And why shouldn't I spend time and money on developing that?

    Enjoy your art, books and coffees. :) 
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Life is for living too. Do what you have to - to enjoy it along the way - despite the many challenges
    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 29/7/25
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