We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Debt free and staying that way while I re-evaluate life and keep blood sugar levels down
Comments
-
Retirement plans sound exciting. Lots to investigateAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Happy New Year everyone! It's been a bit of a roller-coaster here. DD has been ill and -mercifully- an MRI scan has ruled out a mass on her brain which one junior doc mentioned as a possibility, her ears/balance are still under investigation. She has an appointment in a week or so with a consultant to talk through the diagnosis. She has decided to restart Year 2 of uni in September 24 and we are in the thick of sorting that out. She has said that she doesn't want to drop out, transfer elsewhere or do a different course (acting degree) but does want to move year as it has been a toxic experience with people in her current year and has numerous friends in the year below. I'm so relieved about her diagnosis so far but am anxious about what comes next. She has accommodation set up for the next academic year. Her happiness and health come first and we've had a couple of conversations already about this being an opportunity for a structured reset, not a dropping out and retreating to teenage behaviour. I think it's going to take time for me to process and there will be times of anxiety along the way. Thanks to everyone reading love Humdinger xx8
-
Hi Humdinger that all sounds serious. Glad it isn't as bad as first thought but still sounds scary for all of you. Sending hugs. Hope we all get some decent sleep soon tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Thanks @savingholmes. Yes, getting good levels of sleep will ve a process not an event I think. One step at a time love Humdinger xx3
-
Hi Humdinger
Saw you left a message on my diary re your daughter. I've answered best I can on there , so hope some of it may be of some use.4 -
Happy New Year! Anxious times about your daughter, hope everything health and uni wise resolves ok."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3
-
I hope all works out well for DD and you all. Sending hugs 🤗
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living4 -
Have a read of the threads in my signature. They may give you some ideas about how much much is really needed for retirement. The pensions section can be very useful but be aware that quite a number of posters there are not typical earners or average pensioners .5
-
That sounds a very stressful situation, @Humdinger. Obviously a relief that nothing sinister was found, but lots still to sort out, esp with deferring a uni year. Hope it all works out for the best for you both
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.8kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)3 -
Gosh thanks everyone. Just seeing your messages gives me a huge boost. Am counting my blessings which definitely include you all, as well as DD, DH and adored dog. The latter came and sat with me in the middle of the night which was lovely. Humdinger xx4
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards