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Moving forward and upwards

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Comments

  • Skint_yet_Again
    Skint_yet_Again Posts: 8,593 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Sounds like a lovely relaxing day. Hope you got some great photos. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty
    Water with 'mountain' backdrops. Other photos were flowers. I spent time just looking and taking in details. It's great I have this, and another place, on my doorstep.

    I finally got round to doing my filing and must go through more magazines, then I can recycle the leftovers.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad gardening still therapeutic. Hope pay sorted soon
    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
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH, it's definitely therapeutic, providing TomBo doesn't rush me to get everything done, then I feel the same as when I first went out.
    I get my payslip next week and can see if they have included it, or messed something else up.

    Today is blue sky but windy. TomBo is off to find me some garden canes and hopefully I can do a bit of pottering about later.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,332 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    It's lovely that you are able to explore your village.
    Going your own melons is wonderful :)
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Glad you have visited relatives, done some sightseeing and lovely gardening. I am sure they will pay you this pay packet. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks DIA and SW
    I've already decided the wording and who I'm emailing, if it's not showing on my wage slip!

    I never knew melon plants had tendrils to climb and grip, hopefully when I do put them outside they will thrive and I get one fruit out of them 😃

    Reaching the point of being totally exhausted, frustrated and struggling to do 2 days, in other roles it's normally Thursdays I get before feeling like this. They better sort both roles out soon.


    Mortgage started 2020, aiming to clear 31/12/2029.
  • riotlady
    riotlady Posts: 442 Forumite
    Sixth Anniversary 100 Posts Name Dropper Photogenic
    Melon plants sound lovely, I didn’t know they had tendrils either!

    Hope work sort themselves out soon
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