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Getting the balance right
Comments
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Thanks El for sharing. Hugs to you too.
Glad you had an enjoyable time adventuring.... Good that you are honest with him.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 29/7/251 -
So I decided to try my hand at crochet again, I followed a you tuber and thought I did exactly what she showed me but ermmmm .... it's a mess, I really need to go to classes, I'm not trying to do anything fancy at all but what I am doing is a mess ... will need to try and book classes I think.
Spoke to someone about sewing machine lessons today, hopefully I can build my skills in that dept atleast3 -
I went for lessons. She spent most of her time telling me off for holding my hook incorrectly despite my telling her that I couldn’t hold it the way she suggested due to arthritis 🙄Mortgage OP 2025 £6750/7000Mortgage 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)3 -
skint_spice said:I went for lessons. She spent most of her time telling me off for holding my hook incorrectly despite my telling her that I couldn’t hold it the way she suggested due to arthritis 🙄
I need a different kinda teacher I wouldnt be as kind as you :-)3 -
I tried a class at a festival in my city by the sea - I have arthritis in my fingers too, and it was agony. I've been a knitter, and I could go back to that - I like the easy pick up and put down of crochet, and the decorativeness, but it really hurts.
Sewing lessons! I have one of my mum's machines, that she bought in the 1980s, and the manufacturer was really helpful in discussing what I needed. Haven't even looked at you tube yet, but I will. At least I have the manual online.2023: the year I get to buy a car3 -
funnily enough the person that I spoke to yesterday said you tube is brilliant for learning, so I am going to have a wee go at that and build my confidence up, was watching a different person last night do crochet and they seemed to do it a wee bit different than the person I watched, so gonna try that one today,3
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I'm working a couple of hours overtime today, I've been a bit spendy on the spending front, I didnt even spend onnthe strength of the overtime, just spent. Pilates classes and a knitting thing, I also bought myself a new pair of winter gloves, I dont exactly NEED a new pair but i did like them and they cover my wrists.
Have continued to learn my crochet and did slightly better yesterday, I'm thinking of doing a tempreture blanket, but as I'm sitting here I'm thinking its gonna cost a fair bit in wool, but is that a good enough reason not to get creative ?
I'm still struggling post covid and tbh its started to get on top of me, spoke to the nurse yesterday got some bloods taken and a couple of prescriptions, hopefully get to the bottom of whatever is happening soon.
Trying to tidy the spare bedroom as well so I can get back to sewing, think I need to hunker down in my cave for a wee bit and sort through some things.
hope your all good xxx3 -
Here for you if you need to talk xMortgage OP 2025 £6750/7000Mortgage 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)2 -
Keep plodding xxI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Hunkering down is good as long as you also reach out when neededAchieve 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 29/7/252
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