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Prosperous soul, mortgage neutrality & creativity Year 2
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beanielou said:Not surprised that you are exhausted to be honest.
No idea what to suggest~~sorry.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
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 29/7/254 -
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. 173 -
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/yoga4 -
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 xx3
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I hate the not knowing so understand a little bit about how you feel.LTotal 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 #1243 -
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 20254 -
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 morningSandyShores said: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.
.Merlin's_Beard said:
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.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?
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.Merlin's_Beard said: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.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 29/7/253 -
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 20252 -
Thanks Merlin - I can't cope with ear plugs that magnify my heart rate which most standard ear plugs seem to - so have to be careful what kind of options I choose - which is why I tend to go down the noise cancelling big over ear headphone type route.
I only took 25% of my adhd meds today - mainly cos I forgot to take the morning ones. Hoping I therefore sleep.
Had an okay day at work in the end. My boss hadn't got my text as she'd left her phone at home - so that was fun when I arrived in the office and she direct asked if I'd been working yet today (at nearly noon) and I responded!! Ah well. It ended well. I got out of the first tricky meeting - and instead did a different urgent piece of work. The second meeting - I did an urgent piece of work while in the meeting - and the couple of people that I thought would make it more conflictual hadn't been invited so that went better than expected.
I caught up with a colleague I hadn't seen for a while and suggested some finance tips will be interesting to see if they act on it or not.
A January deadline has been brought forward a month - which is frustrating. I worked on that after the earlier meetings and sent a link to some colleagues for them to add their bits. I haven't done what I needed for tomorrow's first thing meeting - so will have to use last month's version and update it after their feedback. My list of outstanding tasks keeps growing. I couldn't stay late tonight as my laptop power lead gave up the ghost which didn't help!
My mortgage company rang to say I can't have the level of survey I've paid for as there are no available surveyors for that level! Mind blown. I'm going to try and ring their third party company to check if the mid level will give me sufficient data or not - but otherwise I'm adding £100 or more cost to get a different surveyor. If I stick with the mid level survey that is available I will get nearly £200 back. I hate it when tasks you've closed off mentally as complete reopen especially as I agonised over the decision originally. £200 back is tempting - but knowing likely costs of future jobs could increase my bargaining power now as well as helping me budget for future maintenance.
I chased my annual work pension statement this week. Turns out they thought I'd left as some files listing my contributions hadn't transferred over from payroll. They are going to try and get me a report on their next catch up run. Glad I chased it!! I get paid tomorrow. Next month I'll get a Xmas gift voucher (confirmed today), backpay from April and another increment. Now just to avoid telling the family!!
Caught up with a sister by phone and it went well.
Hope you are all doing well.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 29/7/256 -
SandyShores said: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.
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#latest4
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