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Being called frugal is the best compliment
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Sorry about your relative. Hopefully the run will do you goodAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
Sorry to hear the news about a family member. Enjoy your run even tho it’s so cold outside at least you should feel refreshed after.xx:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.002
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The run was just what I needed today and the new buff kept my head toasty, earphones in and doubled as a face covering when I needed to pop in the local shop when I finished. I’m half way to my 30k total distance ran for January.
I was energised because I came home I prepped some fruit and veg to snack on and to help with the early part of next weeks work lunches.No news on the relative it’s just a matter of waiting.I had an Epsom salt bath, PJ’s on already and going to see what’s on the telly. Dinner may just be a pizza 🍕. I know how to live!
Happy Saturday.🎊Debt Free 8 Jan 2022[/center]🎉
Language Learners Chat- Portuguese1 -
Good to relax. I was amused at the 'new buff' keeping you warm.... LOLAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
savingholmes said:Good to relax. I was amused at the 'new buff' keeping you warm.... LOLBack to work this week and C19 still rearing it’s ugly head. DD and I are starting to feel full of cold luckily LFT are negative.
Managed a nice walk at lunch time yesterday. I work near a river and large park the sun was out and the sky was blue. I managed a good 30 minutes in the sunshine 🌞. Really lifted my mood and should do it more often when I’m in the office. I also walked 8k yesterday which is 16,000 steps.
Debt still £0, will need to spend today as out vacuum cleaner needs a new battery and we need to sort out a parking permit. That will come from home maintenance pot. Dinner will be leftovers.🎊Debt Free 8 Jan 2022[/center]🎉
Language Learners Chat- Portuguese1 -
I did a shorter walk yesterday but it did me good too. Hope you and DD feel better soonAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Thankfully it just seems to be a cold, didn’t manage a walk yesterday as I had back to back meetings which over ran. Hoping to do this today as it helped refresh me in the afternoon.
🎊Debt Free 8 Jan 2022[/center]🎉
Language Learners Chat- Portuguese1 -
Managed a lunchtime walk although this time it was raining 🌧. I have managed to keep up the steps so far this week, no runs so as it has been to slippery under foot. I don’t fancy any sprains or broken 🦴.
🎊Debt Free 8 Jan 2022[/center]🎉
Language Learners Chat- Portuguese1 -
Definitely be careful particularly if you're not feeling too well to start with.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
I seem to have avoided any real illness so far.On the MSE front 2 more sales equal 2 more things out of the house. 2 runs last week followed by 3 days walking over 10k in steps.
Sleeping a bit better as I have now written down a savings and goals list and shared it with DH. He seems to agree with them and we are thinking 2-2.5 years to buy a home.
Work is still going along swimmingly and they are going to continue with hybrid working for the time being. Minimum of 2 days in office on a rota.
Payday is almost here and I have finished with money left 💃🏻. First months pay of the new year debt free, must keep on track with our goals, but I do have my eyes on a new pair of boots that are in the sale!🎊Debt Free 8 Jan 2022[/center]🎉
Language Learners Chat- Portuguese1
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