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Moving forward and upwards

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  • Sorry to hear about your arm / shoulder pain. Hope it eases soon. Maybe a heat pack or hot water bottle may help ease it 
    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: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty
    I assume I'm still overdoing it as I try to clear work. Plus I'm finding it quite stressful with the other thing and not knowing what to do. 

    TomBo is still off ill, I don't think I've caught it (yet).

    Have I said I've already worked out my budget for the rest of this year and 2022? That's one less thing over the Christmas holiday.
    - seems to be my way of coping with stress, playing with numbers.

    I'm looking forward to getting my wardrobe and seeing what clothes I have, not rummaging to pick an outfit. It's only a small thing I know, but I've not done much on the flat this year.

    There's plenty of positives to focus on and get me through the next few weeks and soon I can decide what I might do for my holiday.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Take it easy with your arm.

    My advice is always take the high road. A negative exit interview could come back to bite
    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH
    The high road seems far away after today. I've been spoken to like dirt, in front of new person, had more stuff dropped on me and I'll have to go in more than I had planned. Felt sick all day, on the go with no breaks and I'm still racking up hours. I didn't sleep too good last night either. At least I know it's coming to an end soon.

    Got my feet up, feeling very stressed and I'm attempting to unwind, but feel like crying.

    Wardrobes arrived, TomBo transferred our stuff and organised the bedding on top of them. I'm not up to sorting through, moving smalls and other clothes across.

    Had pork steaks, rice, carrots and peppers for tea. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Repeat after me

    I will work only my contracted hours

    There is literally nothing they can do about it.

    What doesn't get done will not be my problem.

    I will work only my contracted hours.

    I won't get through all this boss - who would you like me to pass it on to when I leave
    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Haha SH, that would involve them listening! They've only just realised it's only me who kind of knows what to do 🤔
    I know where all the work is going, that person doesn't know it's coming their way and I feel so sorry for them.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Start passing some of it on now with the words - I won't get through all this before I leave so I thought I'd give you a heads up on it now.
    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I have been delegating work over, then spending ages explaining / demonstrating it as best as I can. Also discussing other aspects and saying where to find information, then they won't be completely in the dark when it lands on their lap. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Spent a while looking at my spreadsheet and numbers, reach a milestone tomorrow!

    Pudding was a packet of crisps.

    Had a hand pamper. Good dollop of San Spa and spent a while making sure every millimetre of skin was given attention. Strong enough aroma to smell, subtle enough not to be overpowering.

    Should have a leg pamper tomorrow, that way I can go swimming Friday. 

    I'm also contemplating a hair cut over my holiday, out with the old and start afresh 😃
    Mortgage started 2020, aiming to clear 31/12/2029.
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