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Debt and Caring
Comments
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I think you are doing well.
I struggle with exec function too. We both achieve lots despite that.
Hope Teacup and Heavy being away is restful in other ways.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/252 -
I will spare you all the details of how my day started. Except to say it was at 5.55 am🤦♀️
But I ignored my puritan self and went back to bed until 9.30.
Honestly my mind is so much clearer with them away SH even though my workload quadruples. And I don't have the same difficulty prioritizing tasks.
2 -
Like you, I am enjoying my pressure cooker multi cooker pot. Not yet done a chicken but I do regular curries and stocks
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Has it been a peaceful Sunday? I can appreciate it's hard work having to think for four instead of two. How much longer do you have the place to yourselves?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 21/3/221 -
I can relate to the peace that comes with less people in the house. Not surprised you can think more clearly.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
How do you cope with it sh? Am curious.
I spoke too soon as a weekend alone with dad has stressed me out2 -
I'm sorry to hear it was stressful. Perhaps it's time you had a break, would that be possible? Even a few hours would be worth doing. I suppose when you are out of the house to work, however tiring that is, it's still a change and they say that's as good as a rest (I'm not convinced, but the different pace possibly helps).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 21/3/221 -
I think knowing the cause I'm now more forgiving of myself than I was.WelshmansDaughter said:How do you cope with it sh? Am curious.
I spoke too soon as a weekend alone with dad has stressed me out
I say 'No' more upfront rather than taking too much on and regretting it - or ending up stuck doing things I've no interest in. The book The Way of Integrity helped me a lot with that.
If I'm really committed to doing something - I've started adding an extra appointment in my 'calendar' for travel (& any messing around time). I like to think it takes 20 minutes to get to work (door to desk it's more like 30) for example but if I have to lead something when I get there - I've been setting an appointment for 30 minutes beforehand for setting up. I'm still 'late' compared to the earlier appointment target time but still early compared with the real thing.
Sometimes I still mess up - but I've got better at texting people when I set off so they can adjust meeting times etc...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251 -
Thanks SH, something to think about.
Cherry Monday we have a carer in the morning and I got the evening carer to come an hour early.
Doc apt done and dusted. Not sure I had that much blood to give 🤣🤣🤣 Turns out physio waiting list is 6 months, I think I will try to go private. I bought a compact tens machine yesterday so see if that helps with my perception of pain in shoulder and calf.2 -
Hope the tens m/c helps.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251
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