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Getting the balance right

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  • beanielou
    beanielou Posts: 95,999 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    No wonder that you are tired~~that's some weight!
    I 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.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    peb said:
    So sorry to hear about the long covid.  A friend took a year and more and it's over a year ago another friend who's a nurse was collating information for those trying to get a full understanding and a solution.   

    I'm not commenting on Mr El.  It's so hard.  

    Hugs
    I have been advised it could take atleast a year, in a way I wouldnt mond that cause atleast I know it will get better, I'm already 7 months in as well, some people seem to recover quickly, some dont even know they have it, others like me have a hard time of ot and tragically we lost far too many people as well ... I'm so over covid tbh 
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Karmacat said:
    El, I'm so sorry the long covid has got you :( I'm seeing a lot more news articles about it than there used to be, so I'm hoping there'll be a lot more help coming really soon.

    And 20kg of PPE!  I'm surprised you can move at all wearing that lot!  But a dementia blanket sounds a good, creative project - I think I know it as a "fiddle quilt"?  And Mr El is starting to co-operate with a healthier future, that's got to be good, I hope that continues.
    yep that's it... a fiddle quilt, you should see me trying to move with the ppe, the way we have to wear ot as well doesnt help any,  I'm now at the stage I cant get back up if I have to go down on my hands and knees 🤣🤣🤣
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    badmemory said:
    20kg of PPE is an awful lot - like carrying a third of a woman around all day.  No wonder your body is complaining!
    Yep it's very heavy, by the time I get home after 12 hours in it I'm crawling into the house in agony, but it's designed to keep me safe, and the people that have been doing the job for 15 plus years often are heard saying, back in my day it was so much heavier ( and it was) 
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    beanielou said:
    No wonder that you are tired~~that's some weight!
    Aye, you know what I do for a living as well, can you imagine what I have to do in it ? no wonder I'm exhausted and sore 

    but it is what it is, today I got pulled up for not wearing another piece of my ppe , I was going oh come on you've got to be kidding us ... only 1 person was wearing theirs and that's cause it's all new to them, give them a year or so and they will be missing bits as well 🤣🤣🤣

    when I told him the % of people doing my job that get cataracts etc he got into a panic ... poor lad he may need to re think his career path 🤣
  • beanielou
    beanielou Posts: 95,999 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    WEll if you have had a wee word with him he will be cosidering his next steps as we speak  :lol:
    I 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.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow that's some weight of PPE.

    Is there any flexibility on the length of shift? If there was would you take it or do you just want it over with?
    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 18 October 2022 at 6:49AM
    Sometimes I work 10 hours sometimes I cover (but am not always out) 24 hours, the most I've worked is 19 hours at a time at this job,  it just is what it is

    I'm not always in the area that requires the ppe, but just now we are very short staffed and although we have new starts it takes two years to fully train a person to do my job ( that's after 3 years of training/ education to be allowed to train to do my job) , although things have changed and our new starts are having to learn at a faster rate with us "oldies" keeping them and everyone else safe ( which we all do exceptionally well) 

    I LOVE my job, I get a very very deep sense of job satisfaction from it, I can instantly help and change the course of outcomes for the better, right now much as it hurts my back/legs/ breathing, I couldnt see me doing anything else. 

    No doubt there will be a fair few people reading this trying to guess what it is I do 🤣🤣🤣
  • Mickyh-s
    Mickyh-s Posts: 287 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper
    Please tell @elantan - I can't figure it out! 
    Mortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,000
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 18 October 2022 at 2:07PM
    I work in a very niche job of which there are not many of us in my country, I have shared very personal Information and dont want people from my work finding me so my career will remain  a mystery to my online friends, the people I know from here in RL can confirm I do very common but  unusual job :)
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