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Holding On and Letting Go 🎈

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you are feeling out of sorts. 

    Life feels turbulent the last few years. I really hope things settle for all of us soon. Need life to be within a more predictable range again... 
    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
  • Hi FS, another sugar addict here - and crisps :confused: I'm so inconsistent and annoyed with myself. I'm too aiming to get a grip on a 15lb excess (the 5lb from before the summer and 10lb more).  
    I often find those worrisome things make their own way to the top of the list which leaves me less to worry about- or that I'm well practiced in compartmentalising my life. 
    Hoping Mr FS work situation doesn't impact negatively for you and your flux period settles soon.   
       

    Hi there Money 🙂 Ditching the sugar has really helped me - all the cravings have disappeared.  Although I've been at home for most of the time so haven't had to face any real temptation yet.

    Mr F doesn't think there's anything more to worry about just yet but you never know do you.  Better to be prepared.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Sorry you are feeling out of sorts. 

    Life feels turbulent the last few years. I really hope things settle for all of us soon. Need life to be within a more predictable range again... 

    Yes SH - a little more predictability would be very welcome.  So hard to make decisions or budget at the moment.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • badmemory said:
    I can't remember if I have said this before on here - but - any questions about pensions & whether or not to take them & when then pop along to the pensions bit of the forum.  There are some really helpful people over there.  They can sometimes be blunt & to the point but still very helpful.

    Thanks for the tip BM 😘

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hello
    Coming out of lurkdom to say I love your diary 😊
    So sorry you’re feeling out of sorts but I love your approach of taking joy in the little things.  My little things are going back to bed with a cup of coffee to read for an hour on non work days ( particularly enjoyable if you pop the electric blanket on for 10 minutes while you’re making coffee😀) and lighting tea lights or candles in the evening once the wood burner is on, it’s so cosy and requires no electricity!   I am also a fellow lover of watching a series from the bath !
    I’m getting into the time of year where my dog walk after work is often wet and blustery so I’m going to do what I did last year to make it part of a nice evening routine.  I used to light the log burner before we went out so it was as toasty when we got back.  On our return I used to have healthy, low calorie HM soup as a snack followed by a bubble bath and an episode of something whilst enjoying a hm gingerbread or pumpkin spice coffee.  It was then pjs on, a late  dinner  and TV or reading in front of the fire.  Lovely!  Doggo loved  it too 😀
    Good that you’ve made some decisions, I always find that eases my mind in turbulent times.  
    Best of luck with all your plans  x


    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • Hi FS,
    The world seems so uncertain right now, I think we're all struggling to make long term plans. I'm sorry about the uncertainty re Mr FS job but I'm glad you have a contingency plan. Hopefully, the restructure will work out okay for him.
    I agree with you about the sugar. I've always been naturally skinny but perimenopause is definitely changing that. I cut out sugger and refined carbs for a few months and it really relped. We then had a stressful period and I fell off the wagon. Really need to make the effort again. I know it will pay off but right now its rainy out and I have a chocolate digestive and cup of tea so I'm not off to a good start :)
    MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.14
  • pinkypig said:
    Hello
    Coming out of lurkdom to say I love your diary 😊
    So sorry you’re feeling out of sorts but I love your approach of taking joy in the little things.  My little things are going back to bed with a cup of coffee to read for an hour on non work days ( particularly enjoyable if you pop the electric blanket on for 10 minutes while you’re making coffee😀) and lighting tea lights or candles in the evening once the wood burner is on, it’s so cosy and requires no electricity!   I am also a fellow lover of watching a series from the bath !
    I’m getting into the time of year where my dog walk after work is often wet and blustery so I’m going to do what I did last year to make it part of a nice evening routine.  I used to light the log burner before we went out so it was as toasty when we got back.  On our return I used to have healthy, low calorie HM soup as a snack followed by a bubble bath and an episode of something whilst enjoying a hm gingerbread or pumpkin spice coffee.  It was then pjs on, a late  dinner  and TV or reading in front of the fire.  Lovely!  Doggo loved  it too 😀
    Good that you’ve made some decisions, I always find that eases my mind in turbulent times.  
    Best of luck with all your plans  x



    Aww thank you Pinky - it's lovely to 'meet' you.  Your dog walking routine sounds perfect!  I might pinch some of those ideas for myself 😆

    I am feeling a little more settled now we've pinned down some things.  Although everything is changing so fast these days I'm trying not to get too comfy.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Hi FS,
    The world seems so uncertain right now, I think we're all struggling to make long term plans. I'm sorry about the uncertainty re Mr FS job but I'm glad you have a contingency plan. Hopefully, the restructure will work out okay for him.
    I agree with you about the sugar. I've always been naturally skinny but perimenopause is definitely changing that. I cut out sugger and refined carbs for a few months and it really relped. We then had a stressful period and I fell off the wagon. Really need to make the effort again. I know it will pay off but right now its rainy out and I have a chocolate digestive and cup of tea so I'm not off to a good start :)

    Hi FF 🙂

    there are times when you just have to do whatever it takes to get yourself through.  You can always climb right back on that wagon.  I'm dreadful with sugar.  Fine if I avoid it completely but once I start eating it, I can't stop 😲 I couldn't stop at one chocolate digestive - I'd have to finish the whole packet 😲  Better not to have such things in the Fortunate household 😆

    (I had a little nose in your diary earlier 👃 - love that we both have a Mr F 😁)

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
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