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Prosperous & Creative Soul Year 4
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Safe travels
LTotal 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 #1242 -
Good that all siblings got there in time but so hard on your 4 to 5 hours sleep is no good please look after yourself. My dad is getting really weak and I know I will face this kind of thing one day and I have seen friends go through it as well. Thinking of you and please be kind to yourself work is not important right now.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#latest3 -
Hope parent makes it home, it will be a much kinder, calmer death at home than in hospital, with everyone else’s dramas happening all around.Sounds like the time with your brother could be good. Sending hugs and hoping you get a bit more sleep tonight!KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.3 -
Thanks all. Managed to get parent home. Hospital lost their hearing aids!!! Returned by ambulance. They are thrilled to be home.
I went to hospital this morning and advocated for them. When brother and other parent arrived I went shopping for soft nightwear that is easy to take on and off and some food.
I cooked a meal with help of prepared veg and microwave slow roasted meat. Also bought some strawberry tarts.
Took second adhd med [I am allowed] and drove home. Where i spent 90 minutes cleaning up after the cat 🐈 who failed to use his liter tray once!!! And was recovering from the runs. Such a joy (not). I also had to unblock the hoover as things kept getting stuck.... Will see if can book cat vaccination tomorrow. I still need to book cattery or sitter for when I am away later in the month plus parking...
I'm working tomorrow but likely to be given grace. Will return to parents Monday latest. All feels surreal, that quiet calm in the eye of the storm but aware of life's detritus whirling in a maelstrom around you...
My alliums and delphiniums are flowering. Apples and fruit bushes coming along. Garden has exploded so need to weed and water.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/254 -
Potatoes also flowering which is promising.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/253 -
Thinking of you... please take care, you're probably running on adrenaline at the moment and the after effects will hit all at once. (((hugs))) XXXXI 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 unhappy3 -
I think Chrystal is absolutely spot on. Be kind to yourself if you can.So glad parent is home and aware that they are. That will help a lot.So sorry cat is sick at the same time as all this. I’m not surprised it all feels a bit surreal ….Sending huge hugs x
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
Glad parent is home. Take care xx"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 McGee2
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Take care
LTotal 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 #1243 -
Thinking of you and sending positivity.
Your family seem to be pulling together and that is great.
Take care of yourself tooIf 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
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