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Prosperous soul, mortgage neutrality & creativity Year 2

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Not surprised that you are exhausted to be honest.
    No idea what to suggest~~sorry. 
    Thanks Beanie - it's enough that you care! I've always struggled when the clocks change too so that may also be an issue.

    KajiKita said:
    I agree, you are doing really well for all the reasons you oust, plus the fact you are doing most of this on your own 😊

    Reference some of the bulkier items - our local council charges c. £15 to collect three bulky items from your kerb. I got rid of a king size bed and mattress that way when we moved here. Might be worth looking at what your current council does?

    Also, re old fridges etc. I had a larder fridge and separate freezer that I didn’t need when we moved in here - priced to SELL on FBMP and they were collected-gone within 48 hours. 

    KK
    Thanks KK for the encouragement.

    I looked up my local council at the weekend - and its very expensive compared to that. It classes each separate part of a bed as an item - so DD's bed would be 3 items. The sofa splits in 2 so that could be 2 items if I had to bin it. The other mattress would be a 6th item. They'd want £90. They aren't keen to help you take things out your house but may if you are disabled but don't seem to guarantee it - and want 3 weeks notice which is a lot when you aren't always given that when you move! Ideally I'd rope DD and her BF in to help with the mattresses and then get them to tip for free - but don't want to do that until after the surveyor has been - as the carpet under the beds is stained in one of the rooms etc.

    I will aim to do something about the FF on Wednesday. It would be nice to have some funds on their way back to me.

    I still need to replace the batteries in the garage door sensor too. I've bought them - just need to fit them and would prefer to do that in daylight in case the door gets stuck which it has in the past when I've left it too long to change them.
    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
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,810 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 13 November 2023 at 11:07PM
    Completely understandable that you have been feeling like the this. All of the things you listed  - work, meds, moving are big in themselves, then put them altogether and it is exhausting.

     Hope you are able to have times  of joy, especially with the art work. 
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Moving home is definitely exhausting and stressful, you are doing really well.  My advice would be to take the easy route where you can - some things might sell for a bit less or cost a bit more but if it eases the burden on you its worth it.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • Humdinger1
    Humdinger1 Posts: 2,297 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sending love @savingholmes; it's absolutely understandable that you're living in the overwhelm.  I find accepting that on the way to a far better place can help.  You're doing brilliantly though hard to see in the thick of it love Humdinger xx 
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hate the not knowing so understand a little bit about how you feel. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Without making assumptions - I've definitely heard people say that medicating their ADHD has effectively unmasked their ASD and made those symptoms more obvious, so it might be worth considering whether there's an element of that going on?

    Although having said that, moving house is meant to be one of the most stressful things that you can do, and I basically spent about 10 months feeling overwhelmed and out of control last year and I was only moving a small house I'd been in for 18 months.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Merlin, HSL, Lucielle, Humdinger1 and Sandy.

    I got to sleep after 5.30am and set my alarm for 9.15am - and it took me ten minutes to find my phone to switch it off (in the drawer next to bed). I sent the prescriber a note last night and another this morning

    Moving home is definitely exhausting and stressful, you are doing really well.  My advice would be to take the easy route where you can - some things might sell for a bit less or cost a bit more but if it eases the burden on you its worth it.
    Definitely good advice. I'm following that with eating currently - the £12.50 MnS meal for two lasts 2-3 meals - so still a lot cheaper than eating out. My cleaner is due tomorrow. I think her missing the week before last really had an impact.

    .Merlin's_Beard said:
    Without making assumptions - I've definitely heard people say that medicating their ADHD has effectively unmasked their ASD and made those symptoms more obvious, so it might be worth considering whether there's an element of that going on?
    That makes a lot of sense. I am more aware of my ASD currently. I am more noise sensitive now rather than less in public places (pubs, work, shops). Yesterday at work was at times painful as I was in an open plan office a lot of the day and there was lots of sporadic noise.  I turned someone's radio off which probably made me popular too. I also spent a lot of time in meetings or collaborating with someone yesterday which I also find full on. My sleep is a lot worse. Fixations are currently at the more severe end of the range that I typically experience. Plus dealing with overwhelm. When I don't take the meds - my diet (and spending) goes off the rails - which is a common withdrawal effect. When I do take the meds I have to eat first or I'll feel too sick to eat. 

    I went to bed multiple times last night - but when I was just awake staring at the ceiling in the end I got up and made art. The latter was fun. I'm grateful I have that release valve - I'd be more grateful if my lounge and kitchen weren't littered with art supplies! I have a pop up table in the lounge currently with art & supplies on it - however there is also stuff in bags around my mini laptop desk, a box, supplies and art papers on the ottoman next to my chair, stuff on the floor, used and unused cavasses on the sofa etc. 

    Unfortunately, I'm running very late but still need to go into work. I am of course not yet dressed! I still need to text my boss to explain why I'm going to be so late. I have two meetings - one of which is due to be a tough one and the first also has an element of conflict in it which makes it hard for me. I am currently being prevented from doing something which is therefore late - but I've been instructed not to do it yet - but one of the meetings is with the person who wants it and I can't explain it tactfully enough. One of the people preventing me from doing the work is in the meeting so I'm hoping they comment on that rather than me but life doesn't always work like that. Another piece of work has to be done by first thing tomorrow and I haven't started it yet - but the auditors are due in soon and it's critical that it's done. However I won't get to work until 11.30 at the earliest now and I then have 4 hours of meetings before the site shuts at 6pm. In theory I should make up the hours for being late but I may ask for a disability adjustment. 
    Although having said that, moving house is meant to be one of the most stressful things that you can do, and I basically spent about 10 months feeling overwhelmed and out of control last year and I was only moving a small house I'd been in for 18 months.
    Thanks for sharing that Merlin.
    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
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 14 November 2023 at 2:37PM
    I've seen both loop and flare brands/style ear plugs recommended for noise sensitivity - there's various different styles of both depending on what and how much you're trying to block (most of the specific recs I've had are kennel noise related so not that helpful to you). They're very much on the maybe next year list for me so no personal experience.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited 15 November 2023 at 2:13AM
    Moving home is definitely exhausting and stressful, you are doing really well.  My advice would be to take the easy route where you can - some things might sell for a bit less or cost a bit more but if it eases the burden on you it’s worth it.
    Very wise 

    sounds like you are trying to live life at normal speed even though you have dumped a huge time and energy drain - a house move - into your life - are there areas you can cut back ? 

    I know you decluttered a lot so hopefully that’s helping 

    maybe get a hello fresh box for a couple weeks - expensive but if you can get a deal then it’s new tasty recipes without much effort - maybe Black Friday will come up with some deals to try ? 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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