📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Getting the balance right

1161719212250

Comments

  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    After so many years not really thinking about it I now find I really resent paying any interest of the credit card.
    aye it can scunner ye 
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Today has been a strange day, were staying with relatives whilst an op is carried out, it's been interesting to say the least, a no spend day though and those are always good 

    hope your enjoying this great weather 
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you're okay. Relatives can be super challenging. Hope whoever the op is for recovers quickly.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    were staying here to help look after someone living with dementia, so I'm sure you can imagine how that's going, it could be much worse,

    Its atleast a 6 week recovery from.the op but were only staying whilst they are in hospital, we put everything in place months ago so that they would have the support when they get out but the two of them cancelled it so goodness knows what they will do, but that ain't gonna be my problem. 
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Today the plan is for another easy day, were noticing too much going on can cause agitation,

    What we did do last night was have a wee coorie in night, blankets on the couch with ice cream and sweets and a wee sing a long to Calamity Jane, the person were with hasnt watched a film in years, but I reckoned that was cause it was always the latest fast moving films, they watched the whole thing last night and sang a wee bit.

    Tonight we may try something else dementia friendly, old photos are a good talking point, we do that several times a day as it is but it's usually one or two pics the individual carry's about with them maybe tonight we will get the album out.

    Was in our bed for 10.30 last night as the individual kept coming down stairs until we went up, we were getting chased up to bed  :D  :D  :D 
  • skint_spice
    skint_spice Posts: 13,462 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds a lovely night, glad you found something that kept their attention for a wee while.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds very loving
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 9 August 2022 at 2:21PM
    It was a lovely wee night, they seemed to enjoy themselves, today they are in their shorts and sunbathing,

    Having lost and re found money was a bit agitating for them, but we calmed the situation down very quickly, as I explained to Mr El just go with it, dont make mountains out of mole hills and understand although they have asked you the same question lots of times for them it's their first, hes learning a lot about the disease. 

     They are loving Mr El cooking for them ( the person currently doing the cooking just about manages fish fingers and chips) so weve been eating tasty salads with chicken and things, they've not stopped eating and it's great to see,  Mr Els head wont fit through the door soon with all the compliments hes been getting 
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good that Mr El is with you and helping instead of leaving you to it.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Thanks @savingholmes , tbh none if it is my responsibility it is actually Mr El's so if anyone is helping anyone it's me helping him lol .... but we've always been a team and worked together,  in the past  when things have been my responsibility he has always done what needs doing, and vice versa, we work well together 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 599.9K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.