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!
Prosperous & Creative Soul & MFW Year 3
Comments
-
Hello savingholmes. You're putting me to shame with how much you're doing while also being poorly and sleeping badly. I need to up my game quite considerably 😬
I hope your system gets more used to the ADHD meds and lets you sleep a bit better, although it's good that you're not having to get up for work and concentrate all day right now.Debt on 01 July 2022 = £42,083.00
Debt on 01 January 2023 = £37,075.87 (-£5,007.13)
Debt on 01 January 2024 = £24,922.36 (-£12,153.51)
Debt:
01 January 2024 = £24,922.36, 01 February = £24,170.95, 01 March = £23,298.44, 01 April = £22,424.83
Current debt free date = 01 July 2026.3 -
You can ask for a copy of your last report if you can’t find it from
PIPSealed pot challenge 822
Jan - £176.66 :j4 -
Back to families - there are also deficit mindset families and credit mindset families. My in-laws (as previously moaned about in my diary 😉) are definite deficit people. For example on Saturday we were face-timing mil and showed here the lovely blue sky - she pointed out the only cloud in the furthest distance. Everything with the in-laws is about how much things cost to enable them to say what a waste of money it is. We took mil out for a meal a while ago (which of course we were paying for) and she moaned that the onion bhajis were too round and she preferred flat bhajis and that they were also too expensive. MrBC said "good job you aren't paying then".
anyway with Billy Joel as an anthem we can find our coping strategies which you are doing very well.
hope that PIP review is a quick and painless formality. Try not to stress. Your situation is still as it was when you applied and were awarded PIP. Although you've recently been acutely unwell so you might mention that.5 -
Mr BC is obviously a keeper
5 -
Caught up at last. Might I suggest anti slip tape for the garden steps?
Recovery is never linear and you have a lot going on so well done with all you've achieved.
Other people's opinions can be annoying; your parents might find change quite difficult to understand perhaps. With Teacup I find the comments aren't usually intentional it is just all she knows how to say.3 -
Keep taking care of yourself x
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
SandyShores said: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"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 McGee4
-
I hope the PIP review goes well and isn't too stressful for you."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
-
Thanks Lucielle, WD, Jwil, Blackcats, Daisy, DIA, BM and Dawn
Still not getting as much sleep as I'd like but better than the start of the week.
Yesterday I went to the garden centre - had a free coffee as part of a club free trial - so nice start. They had some tall plants red robin and laurel for less than half price - so I got them and they are going to make a bit difference in terms of screening and privacy. I also picked up a couple more bird obelisks and more alpine plants.
I then rested most of yesterday afternoon before going back to Bed 2 and attempting to dress the bed with the new mattress protector and an existing pinky purple irridescent bedspread and an oriental design aubergine embroidered type top dressing' above that. I put the accompanying quilt set and a spare and pillow cases and sheets in the wash today as they smelt musty. I found a 4 season type quilt in two parts. I've washed one half yesterday and dried it today - so hopefully I'll be able to finish 'dressing' the bed soon. I also unpacked 3 boxes - which were mostly books. Found loads of SW ones - so at some point may try some new recipes.
DD and her BF came yesterday evening. She's finding it hard to adjust to being in yet another new place. She may want some of my surplus furniture - so I need to measure it (or she will Saturday) and then hopefully take it. She may even want my spare FF. DD had to buy a new to her car as her last one failed its MOT days before her move. She picked it up this week - it looks lovely. Someone else lent her most of the £ which was a relief to me and she paid the rest herself.
DD is due back this way Saturday so she's going to pick me up and take me into town as she needs me to use my 0% card to lend her the £ for the optician as it's a lot of cost at once. That will however mean I finally see what my local town centre is like as I've only gone to retail parks so far. Partly due to lack of stamina but also just overwhelm and anxiety... Going with someone else the first time should then make it easier for me to go back on my own if any of the shops I want are in the centre. She'll then come back here and I'll feed them.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/255 -
Daisy - no shame. You are comparing yourself as a busy working person to someone who is otherwise sat at home all day. That's not reasonable. I'm going out and doing stuff to try and build up and test my stamina - and also TBH for some social as other than the handyman and direct neighbours I don't know anyone else here yet.
Dawn - I think I know where it is - it is just an emotive read - and hard to make myself even go looking at any of that stuff!
Blackcats - I have family like that - and ex MIL was absolutely like that. Glad you have each other.
Hope you are well BM and your DS.
WD - congrats on catching up - I imagine there was a lot!! I need to look into the tape for the steps. I got overwhelmed by choices a while ago and abandoned it...
DIA and Jwil - Hope you both feel better soon too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/255
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards