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Prosperous & Creative Soul & MFW Year 3

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  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds like a great plan to work in the light. I love the colour of the chair that is so nice hopefully the room will turn out just as you imagined when you get the delivery. Can your daughter help you with some of the putting away into cube jobs. I seem to remember her being good at that. At least it would not feel such a big job or you can just take your time. Also think about advertising for a cleaner again that also seems to work for you. 

    Take care and enjoy the art even more in your new space. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oooh the worse stage and you wish you’d never started. Hope you get it sorted. 
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks  KK, TG and Lucielle. 

    Been making very slow progress decluttering and organising and giving things homes. Still look like I've been burgled despite that happy with the decision. 

    Struggling MH wise. Probably burnout. I think though the change once complete will lighten the mental load. I may try and speak to GP as I have been struggling for a  while. My insomnia feels chronic. 

    TG I need help but from the right person only. Not got that available right now. If I can get this area straight then I will explore the cleaner idea again.

    Struggling to read at the moment. Mostly getting the computer to read to me. 
    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
  • KajiKita
    KajiKita Posts: 7,752 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I wouldn’t be surprised if there is a touch of burnout in your mix atm. You’ve had a lot going on over recent months - house move, trying to get settled in the house, illness in your family, your daughter moving out, work changes etc. in the midst of losing your really compatible to you and kind cleaner and handyman. Be gentle with yourself. 

    Hope the doctor can help and you get clarity on the work situation sooner rather than later. 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Everything's much worse when there's a lack of sleep involved, so it's definitely worth speaking to the GP
    "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 McGee
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Sorry to hear your are struggling.  Lack of sleep makes things worse.  Hope you can see your GP soon.  Does your employer have an Employee Assistance Programme that you can self-refer to?  
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Everything ok SH?  Not like you not to post. 
    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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