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The Piano Diary

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Comments

  • AgathaSquirrel
    AgathaSquirrel Posts: 301 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    That’s amazing news - well done on tracking it down.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgage of £68000
    October 2024 mortgage of £65000
    February 2025 mortgage of £63000
    March 2025 mortgage of £45000 and interest of £6.07 per day
  • Dear diary and all,

    Just back from a long weekend. We hired a camper van as it was something we have never done and we wanted to see how we got on with it. We stayed at a campsite just south of the Peak District. Really enjoyed it. Not sure if we will take to it fully as to be honest it was a bit cramped for me sleeping and maybe a bit too much faffing about. Good for a couple of days but dont think I would want to do it for an extended period. We met some lovely people including the campsite owners. I'm trying to do a few things this year in a kind of preparing for retirement kind of way. So we will try out things that we may do when we are free to do them. This camper van and motor home thing is another world.
    Aiming to early retire August 31st 2026.
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How wonderful on the DB pension. I'd be doing a happy dance. 

    Well done on the chat with DS too.
    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 10/10/25
  • Dear diary and all,

    Since moving back in with us DS has been working on his profile and working towards auditioning for various performance roles. He recently went to London for an audition with a US cruise company. Shortly after that he was told he had been successful and was in the talent pool. They said it would probably be January / February next year that the first opportunity would come up, but this week they offered him a role starting in 4 weeks. He needs to go to Florida for rehearsals from November until Christmas and then join the ship in January. This is super exciting for him and something he has been aiming at for some time. Lots of admin needed to be done in a short time including visas, medicals etc. We are helping him as much as we can. All fingers crossed that this is actually going to happen.
    Aiming to early retire August 31st 2026.
  • Congratulations to your DS.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgage of £68000
    October 2024 mortgage of £65000
    February 2025 mortgage of £63000
    March 2025 mortgage of £45000 and interest of £6.07 per day
  • South_coast
    South_coast Posts: 6,072 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Wow, what an opportunity 😀! Very well done to him 👍
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,151 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Great news for DS a wonderful opportunity. 
    Life is an adventure, never stop exploring.

  • Thanks @AgathaSquirrel, @south_coast and @Sunshine_girl2!

    This week he passed his medical and has a Seafarer's medical certificate. Next key milestone is interview at US consulate next week. There are quite a few steps to complete. I am investigating the tax and NI situation so I can help him with that. 
    Aiming to early retire August 31st 2026.
  • Dear diary and all,

    Have finally sold DS's old car for scrap. We didn't get a lot, but to be honest just glad to see it gone and I have the garage space back. We will need it as we are going to need to store two drum kits. Flight details have come through so it's getting more real. If all goes to plan he will be leaving in less than two weeks. We will miss him but he is coming back for 2 weeks over Christmas. 
    Aiming to early retire August 31st 2026.
  • DS has gone down to London for interview tomorrow morning at the US consulate for Visa. So much form filling has been done. Fingers crossed for him tomorrow.
    Aiming to early retire August 31st 2026.
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