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And now we go again...

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Comments

  • rtandon27 said:
    I'm a huge fan of magnesium at bedtime!  Calms all my limbs and prevents muscle spasms at night.  On the nights that I forget to take it, I notice a more restless sleep!  For easier digestibility, I recently switched  from magnesium hydroxide to magnesium citrate. If I remember correctly there are 9 types of magnesium and they all absorbs slightly differently into the body!
    Yes, I think you are right about that. I read about it once on a FB group where it was recommended for Osteoporosis. Think I tried one that didn't agree with me though and it really upset my IBS and basically went straight through me. Will have to look into it again as I'm sure I could do with some
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,084....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £850/£3000
    .

    Studies/surveys  November £0

    Decluttering items 1382/
    2025
    Books read    20
    Jigsaws done  18

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Nothing wrong with a placebo effect if it does the job!

    Very envious of the lemon drizzle cake, and, as ever, your gorgeous fire

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 60

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • milann
    milann Posts: 11,525 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hope rhee magnesium helps 
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the sound of your fire sounds very cosy. I'll make do with a heated blanket.

    Really fancy lemon drizzle cake now although to be fair I had shop bought lemon cheesecake earlier with strawberries which was also delicious.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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