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Prosperous & Creative Soul Year 4

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  • beanielou
    beanielou Posts: 95,512 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad your Dad got home, hope you all find a routine that works for you.

    Hope cat recovers quickly 🙏
    From me too. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • doingitanyway
    doingitanyway Posts: 9,930 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Carers make all the difference in these situations. I hope you can find better carers soon
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,914 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get a bit of time to relax and recharge.
    "If you can dream it, you can do it". Walt Disney
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    jwil said:
    Hope you get a bit of time to relax and recharge.
    I echo this, glad things are getting into a workable routine & cat is better 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are all working together to ensure that everyone gets recovery/recharge time SH - that's really important in such a stressful situation and of course you all need to look after yourselves or you will be no good for supporting your other parent and each other. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Watty1
    Watty1 Posts: 6,775 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope you get time to rest and recharge and that cat is also recovering.     This part is so hard but it sounds as if you have great family around you to support the process. Sharing and supporting and being able to get time out for yourself will be key.  Sending love
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks  Watty, EH, LWAP and Jwil 

    Parent still hanging in there.

    Think I broke a toe the other day dropping something. Also knocked coffee all over my couch. Burn on my hand from a week ago starting to peel. Debating whether to return to see parent again but my concentration is obviously not the best and it is several hours drive. There are also too many people there and I am not sure I'd cope. I'd also have to get a hotel....

    Currently at hairdressers which is nice and a bonus counselling, laugh and haircut deal.

    I need to finish getting stuff sorted for my holiday too which has been derailed by recent events.  Due to fly out part way through the week after next. Not finalised cat or parking arrangements yet. I am a bit reluctant to add cost in case I am prevented from going. I also need to upgrade my insurance. 

    I also need to resolve the rest of the vet bill from a week ago. I was due to meet a pet sitter this morning but she stood me up. On the plus side she is cheap and local.

    Worked most of yesterday and had a therapeutic chat with a colleague. 

    Strangely life admin is a struggle! I've binned most of the food I have bought recently. I am eating but more what I buy on the day...

    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: 7,612 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Have you said what you needed to say, have they said what they needed to say to you? 
    Beyond that it becomes presenteeism and you need to look after yourself. That drive sounds worrying for you. You have supported and helped, and if you’ve reached overload then that’s that. 

    I’m not surprised that life admin is a struggle. You are probably a bit ‘all about’ atm - that makes organising anything difficult. 

    I’m glad the hairdresser session helped 😊

    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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: 21,914 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You've got a lot going on.  If buying food on the day is easier, then do it for now!

    It sounds like parent is very well cared for and surrounded by lots of people, so if you need some more time to decompress then do what's right for you.
    "If you can dream it, you can do it". Walt Disney
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