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Getting the balance right
Comments
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how hot was last night ? and were not even in a heatwave warning place, got up this morning and went straight away for a shower, sweat was pouring off me.
Work today and its first day wearing that heavy ppe, just 8 hours today, will be a good test day.
nothing to tilly tidy sadly just another (in the vein of Beanie) plod along day.
Have a good one6 -
Good luck with today, El, the ppe sounds a nightmare. Hope you can find a way to stay hydrated.2023: the year I get to buy a car4
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Eeek to the PPE.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.4 -
Well shift done, whilst I was worrying about the heavy ppe I forgot the other ppe we need to wear in that area as well, very light but OMG talk about hot, imagine having to wear a hazmat suit, it's not a hazmat suit it's something different but it's about the best I can describe it as without giving away information that would very easily identify me.
Anyway it's done now and i survived, all good practice for when i am able to carry my tent up a hill again. Having a very easy night tonight and will be in bed for probably 8pm or so.
Hope your all managing to stay cool5 -
Welcome back, I have been on the forums for years but lost my previous log in, mostly a lurker than a poster!haha. Sounds like you have so much going on, no wonder you are feeling burnt out. Totally agree that building adventuring into the budget is a necessity and I am pleased that OH is more interested at the moment. Also very glad you survived being in work in a ridiculous amount of PPE! I was boiling just reading it!haha. Just remember to be kind to yourself when you can, recovery is slow and frustrating, but you will get there!3
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I'm glad you feel okay for now, El - I think you're wise to go to bed really early, it sounds a huge effort. Well done you!2023: the year I get to buy a car4
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Blimey, that must have been hellish!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.4 -
Sounds like you did well to get through 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 29/7/253 -
You did it though🎉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)4 -
Thanks all
I went to bed early but had no chance of sleeping, the heat was crazy, I'm sure many of us are finding it the same.
Found a hole in my spending, today im going for coffee with a friend, this has been planned for a while but not budgeted for, I also have lunch with someone on Thursday, so todays spend will be roughly £10 Thursdays lunch atleast £30, I think I will cancel lunch or maybe just go over with something that will reduce the bill coffee today will need to come from the food budget.
The need for an adventure budget is becoming more clearer, whether its coffee, lunch or a full day adventure I need a budget for it.
Writing things down really helps me understand our financial habits more2
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