Get a grip woman!

Suffolk_lass

Yes, retirement 31st August but finishes when School breaks up in July. He has given lots of notice so the Head Teacher has written to acknowledge and thank him for letting them plan properly. When he started there he had a half-term of overlap with his predecessor, which helps the children i think. Also his form are doing GCSE this summer so will be off (some) or entering 6th form so it is a good time to go.

Regarding mortgage I am still dithering how much to pay off at which points. It will all happen in the next 4 years

Karmacat

People with mortgages still need diaries! I'm sure the dfw board doesn't mind you staying here

Suffolk_lass

I hope not. I like it here. I've never felt I quite have the devotion of some of the MFW and haven't really made the distinction. They are all drains on your outgoings, whatever kind of label the debt has.

beanielou

Glad that you are keeping your diary

Karmacat

Suffolk_lass wrote: »

They are all drains on your outgoings, whatever kind of label the debt has.

Absolutely :kisses3:


Just re-reading what you wrote about your December, and hosting the Christmas dinner. How utterly wonderful! Really beautiful.

BalanceBy50

So glad you are keeping your diary.

Can I please add a massive thank you? I have recently lost 1.5 stone and it's all down to you!! Having read your diary from the beginning I looked up the Blood Sugar Diet and when TH had resized blood sugar levels i have it a go despite my BS levels being normal. I still have lots of weight to lose but you have spurred me on xx

Suffolk_lass

BalanceBy50 wrote: »

So glad you are keeping your diary.

Can I please add a massive thank you? I have recently lost 1.5 stone and it's all down to you!! Having read your diary from the beginning I looked up the Blood Sugar Diet and when TH had resized blood sugar levels i have it a go despite my BS levels being normal. I still have lots of weight to lose but you have spurred me on xx

Thank you so much. I have lost just over three stone since I started, and fall back to the regular mediterranean diet to keep it going. I cheat/treat myself, probably too regularly but it is still shifting down and I have never had this with a lifetime of unsuccessful dieting. I have clothes in 6 sizes now (only 2-3 "fit"!). It really works.

Suffolk_lass

Well, end of the week where I make the regular mortgage payment and interest is now under £65 a month again (it was here before the interest rate rise in August - we are on a BoE Base-rate Tracker 0.49% above). This month the £500 payment is a £435.95 over-payment.

I returned from a trip away to my pension forecast today and it is a little better than my spreadsheet predicted. I knew the inflation figures since my relevant year for calculation would be subject to some sort of increase but it was over 3% so it comfortably outpaced the pay increases I have had for the last 3 years. I am off to do some calculations based on taking a bigger TFLS or a smaller TFLS and bigger income (commutation and inverse commutation are the technical terms).

enthusiasticsaver

Good the figures better than expected in your pension forecast. Do you just have the one pension?

Suffolk_lass

Well yes, until age 66 when SPA is reached. DH has two, his DB and a DC we will draw down against while he is not paying tax. His SPA is a few months after mine