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Prosperous & Creative Soul & MFW Year 3

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  • skint_spice
    skint_spice Posts: 13,396 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I find it odd when people give unsolicited advice, but it’s over with now for a while. Hopefully by the time they return you will be feeling stronger and better able to deal with them.
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Chrystal
    Chrystal Posts: 1,997 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I've got the lyrics of Billy Joels 'My Life' singing very loudly in my head now.  ((((hugs)))) XXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • SandyShores
    SandyShores Posts: 1,962 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    jwil said:
    I'm so lucky with my family in that we just tend to cheer each other on, and don't get involved unless asked.  DH's on the other hand is the opposite and they've always got an opinion and tell each other what they should be doing (in their mind).  It really gets my back up, so I can understand your frustration.  You don't need to explain your choices to anyone so stay strong :) 
    You are really lucky jwil.  I remember seeing an episode of Oprah where she said there are families that love and families that fight.  I hadn't thought about it before but my parents were definitely a family that fought, although its confusing as there is also love there hidden behind all the comments and prickliness.  I distance myself from mine as its exhausting always being on the defence, especially if you are ill or vulnerable (just when you need your family really).  My DH's family are similar - not quite as bad, but at times exhausting so you have to make sure you're in the right space to cope.  My advice to anyone when choosing a partner is to make sure they are from the cheering on type of family not the pulling it apart type - but not sure how you can tell in those early stages.
    "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 

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil said:
      You don't need to explain your choices to anyone so stay strong :) 
    Thanks Jwil - I agree. My first ever counsellor said an adult doesn't need to justify their decision - they can just say no, that doesn't work for me.

    Thanks Skint - I think it is the nature of all parents - me included - to give unsolicited advice! 

    Thanks BM - I can imagine that conversation occurring in my family too. My commiserations.

    Chrystal said:
    I've got the lyrics of Billy Joels 'My Life' singing very loudly in my head now.  ((((hugs)))) XXX
    I played it. Thank you.

    Hi Sandy - that's a great way of putting it. I think there are far less cheering families than fighting families. TBF it is really difficult being a parent and you never stop learning.
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nerve-wrackingly - yesterday I got a text saying my p1p was being reviewed. Cue mass panic. Hopefully it will go okay - but it is such a hassle and stress and if I lost it - it would have a huge impact on my budget and my ability to spend on the handyman, cleaner etc as well as options to increase my pension. The handyman has said he'll write a letter of support and highlight things he's put in to help with my mobility & stability and his role in taking me to hospital and afterwards etc. My counsellor will also write one. I may ask the chiropractor I saw once to send me a copy of the notes he took etc - if he comes through it's a win - if he doesn't then I've lost nothing by asking. Unfortunately therefore rather than just focusing on my recovery this week and trying to increase my stamina - I  need to find what I sent through last time - and see what I now have to add to that.

    I only got about 5 hours sleep last night but I am enjoying clearer thinking now I'm on the half dose ADHD meds. I also have more energy in the morning and then flag in the afternoons. That could change when I go back on full dose next week - although it's likely that will further disrupt my sleep. I've texted work to chase the OHU appointment and said I'm likely to return Monday on a phased return. 

    There are fluffy white clouds with hints of blue sky and it's beautifully bright outside. I urgently need to sort my bedroom blinds (likely to have 2 plus the curtains) but I'm still stuck in indecision. Plus they wanted me to take 3 measurements horizontally and 3 vertically - where I'd only taken 1 of each so it's a faff to resolve. I'll get dressed and go to a garden centre where they had the bird obelisk as I'd like more - and then take it from there. Some more plant pots and plants may have fallen into my trolley yesterday at Mr M... Everyone who has seen the pots loves them. They have a navy and turquoise type glaze but are plastic. If later I end up with too many pots (never happened before - what is too many?) I can always give some away. The plants were a mix of climbers and bedding plants. Most are the Mr M £2.50 version - but one was a jasmine for £6.50. 
    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
  • lucielle
    lucielle Posts: 11,503 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy plant shopping. Hope the pup gets sorted without too much stress. 
    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
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