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Moving forward and upwards

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  • Skint_yet_Again
    Skint_yet_Again Posts: 8,442 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    It’s so exciting to hear your plans. So glad you found a better salon. Your “usual” salon don’t deserve your custom if they are rude. How dare they 😡

    It must be such a relief to be on annual leave. Hope you have a lovely break
    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 SH and Skinty

    My to do list is getting shorter, as is the day I need to be ready for! Just hair to dye, hair removal, nail varnish and a couple of bits to finish making. Also, finish tidying the lounge!
    - I'll slot in a pamper session tomorrow while TomBo's out.

    I'm going to my 2nd home for chats rather than doing anything more than watering mine this week. Although, I'm doing light weeding on a plot to help a mate out while they're recovering.

    I'm on the waiting list for a minor op after my apt today. Ended up parked at the other side of the hosp compared to where the building I needed was, that was a trek which I really felt on the way back.

    Went to a shopping centre and got my brows threaded. After that I popped into markies & s for 'posh' food and booze. Wasn't as badly priced as I expected it to be. A&U's recent lunch, and previous event, demonstrated its niiiiice; MIL also shops there too.
    - Grabbed various cheeses, meats, crackers, dips, sausages, bite sized items, cake etc to create a little buffet type evening for us two later in the week. Very indulgent 🤭

    Still resting in the evenings, with my feet up and watching TV 😊
    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
    Hope you are ok. Never nice to need an operation.

    Lovely you had some treats.
    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
    It's nothing serious SH, I'll probably be done quicker than waiting for the local anaesthetic to take effect!

    I've been to 2nd home, did some weeding to help a mate out, we've planned what section we'll do tomorrow and had a longer than expected catch-up with the usual group 🤭

    I'm chilling for a bit and will dye my hair soon, as it takes a few hours to apply, leave and wash out. I may watch a film this afternoon or tidy up some more.

    Don't know about the weather by all of you, but it's baking up here! I'm enjoying having my iced coffees each day 😄 Think it's a bit much for cat as she sleeps on her side with arms and legs stretched out; we've frozen / chilled some of her liquid treats to help keep her cool.

    I am rather enjoying my holiday and from this evening TomBo starts his. 
    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
    Glad you are enjoying yourself 
    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
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,442 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Glad you are chilling. It’s raining here today but hopefully will stay nice where you are ☀️
    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 SH and Skinty

    The weather is really nice, occasional bit of rain in the day with some all night downpours. 

    Had an early start to get my mates plot weeded, did most of it before they arrived and together we finished the last bit. 

    I've got everything organised, or to hand, for ease of getting ready. Hair / makeup woman is arriving earlier than planned and I'll ensure there's a constant supply of coffee on the go.

    I'll be painting my nails in a bit, just have to pop to 2nd home and water toms first. 
    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
    Hope the event goes well.
    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
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,442 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Enjoy the pampering and have a wonderful time 
    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
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