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Busy Mee's Last Leg
Comments
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You are right, it will be applied in April (once a year, on the date anniversary of the day after you retire), but if you were to revert in January, your best and final year would end then and the indexation would be backdated to the first day after you revert.
Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here1 -
Oo right. Thanks SL. So actually I would be better off losing the TP once I have a full year in.1
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In terms of permanent pension, if the CPI for September is decent, yes (August was a miserable 0.2 thanks to no flights depressing costs and eat out to help out) - but you lose the extra salary for the remaining months of service so 6 of one, half a dozen of the other IYSWIM.Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here1 -
Ah thanks. Swings and roundabouts then.1
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Back from a week away and feeling like a new person and just trying to ward off the Sunday night dreads tonight. I know I will just get back into the swing of work tomorrow. I have another weeks leave booked in 8 weeks time and then less than 5 weeks until Christmas and then I will hand my notice in
The weather is still lovely here but suddenly so much darker in the morning now. I know this because I struggled to put on a pair of knickers in the dark this morning. Turns out they were DDs, put in the wrong drawer by Mr Mee. He is useless at identifying which clothes belong to who , even though DD is two sizes smaller than me and wears considerably smaller knickers (both in size and coverage) . He doesn't even attempt to sort out tights, just leaves them in a big heap.
We did the biggest supermarket shop we have done in ages. The cupboards were bare. Mr Mee has declared he doesn't like shopping with me anymore. I am too slow apparently....that is because I think and look whilst I am shopping. He has his list and he buys what is on the list, bish bash wallop, in and out of the shops and done. Of course he often picks up the wrong thing by mistake in his hurry and never sees any bargainsHe also declared it too busy on a Sunday, so it will be back to him going on his own on a Monday next week and I will just go later In the week for a mooch and pick up any extra bits we need.
I cooked up a giant Cottage pie for dinner, and Mr Mee can take a portion to FILs tomorrow. We are back in local lockdown restrictions from Tuesday and can't visit any other household and have 10pm curfew. I think we lasted 2 weeks out of local restrictions, but I suspect the whole Country will have extra restrictions announced this week. I am hoping that they go for rule of 6, face coverings in all public buildings and 10 pm curfew everywhere, rather than full lockdown again. It would be less confusing than the mish mash of rules we currently have and easier to police, but you can bet that Bozza and co will make it as confusing as they can. They couldn't organise a booze up in a brewery as the testing fiasco has shown.I also made Nana's magic soup to use up some wrinkly peppers and sweet potatoes. I am back on the diet tomorrow. Before we went away I had lost 8 lb ( since Feb), I have been reasonably good on holiday (no lunch or puddings but we had a bottle of wine every night with our evening meal). I am going to try and be good this week before getting on the scales of doom on Friday and hopefully I will have rectified any damage done. I haven't been running for a few weeks, as I have had a couple of fainting episodes and waiting for a 48 hour blood pressure monitor test. I am a bit worried I will keel over whilst I am out on my own. So just dog walking and calorie counting using Myfitnesspal. The pup has suddenly got lazy though, so is not helping. He just suddenly sits down when he has had enough and won't budge any further. I think he conserves his energy for walking with DD who walks miles with him. He knows he gets away with murder with me
I need to do some financial admin for the new Lloyd's accounts this week to swish £1500 a month through the accounts. They come with rewards. Mr Mee has chosen a free film subscription and I think I will have a free magazine subscription. I love a magazine but of course don't buy them because they are too extravagant. I used to love flicking through the glossies at the hairdressers but of course that little avenue of pleasure has gone now.
Anyway I think that is all. At least I don't have a long commute into work any more. I've charged up my work phone and plugged in the surface pro but purposely haven't looked at any emails. I am preserving my holiday frame of mind until tomorrow7 -
Glad you have some time off planned. How exciting to be on a countdown to when you can retire and to know financially everything you need is in place.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 29/7/251 -
Reading your report of Mr Mee is just like writing about DH! except he (I believe) may have become progressively more rogue with the shopping list in order to ensure I took it back once I ventured out.
You won't regret leaving work, I promise. That feeling on Sunday night was a pit of the stomach feeling and propensity for early morning insomnia over here. I really did not realise how debilitating it was until about two months after I retired, when I realised it had stopped.
If you have been skipping lunch as part of your weightloss regime, it may well explain a dip in blood pressure. Mine is typically 110 over 70 anyway so when it dips I do sometimes feel heady. I hope for you that it is fasting that may be causing yours as a dry cracker will stop it falling further and not damage the diet too much.
Take care of yourselfSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here1 -
Morning all
I managed to survive a week at work, although I had a raging headache by Wednesday. It felt like going from 0 to 60 in 60 seconds, the pace is ferocious at the moment. Back to back meeting, no time in between even for a wee.
In financial news my Lloyd's bank switch Reward arrived, and also realised there was a rogue 30p in the account I switched. So £100.30 shuffled into the odds and sods account. It is looking very healthy this month with around £360 in there. We are definitely on target to chip another £500 off the mortgage in October.There was a problem with Mr Mee's switch reward ( why is it always his) but he agreed to ring up and sort it without too much moaning. The last time he moaned about something financial I was doing, he got it with both barrels and I told him that the reason he was sitting pretty in retirement was because I have sweated our finances. He knows this really but it doesn't stop him from moaning. Poor Mr Mee must sound terribly henpecked on here. Believe me he isn't ......he has a lovely life
I braved the scales of doom and had managed to put on 3 lb whilst I was away. SeriouslyAnyway I have now lost a lb. Can anyone tell me how that works. A week to put 3 lb on but can only take 1lb off in a week.
I don't normally skip lunch Suffolklass, just on holiday when there is a more substantial breakfast on offer. I get too hangry to skip meals normally. Although I try and leave breakfast as late as I can to create a reasonable fast over night, and this means I don't go for a mid morning snack or second breakfastThink that is all. I am off to Sainsbreeze in a while, I have had a cake order from DS. He leaves his current job this week and has promised them some of my cakes !5 -
Hi BusyMee, the back to back meeting got so bad at my work over the summer that upper management brought in the 50 minute rule (mainly because our DSE assessments showed the staff were getting back problems).We are supposed to finish all meetings by 10 to the hour. It’s not really changed anything much but I’ve been trying it, when I’m chairing and it does help to stop people wittering on if you tell them we are finishing at 10 to!4
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That is a really good idea CM. I am going to try that for the meetings I control. I must admit I am getting backache from sitting in one position so long and also getting really cold, because I am not moving. I probably need to stand up and move around more.4
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