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Watty's Awakening

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Comments

  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All the best with balancing sorting things out and rest.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • daisy_1571
    daisy_1571 Posts: 2,846 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    that does sound a bit overwhelming for you.  As an adult it becomes more likely that you will lose a parent, as they become unwell it becomes more and more likely.   My family and in laws luckily were similar.  Lots of laughter and reminiscing, getting on with what needs done, nobody overwhelmed with grief.  I would find it very hard to have to bite tongue and not just say right, this needs done, let's get it done.

    Hope you get a few days break from it so you can recharge yourself if this is going to be dragging on for months for you.  He supported you through a lot, its nice that you are there to support him through this, but you need your strength and resiliency to be able to do that.

    Dxxxxxxxxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • Hope you've got a cosy self-care evening lined up soon, preferably tonight given these temperatures! 

    Did the cat issue get resolved by VNM daughter?
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The grief beads analogy is interesting and makes a lot of sense.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
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