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Giving every £ a job
Comments
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I’m glad you had a nice birthday. Exciting times ahead 😃I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Belated Happy Birthday
Exciting about putting your notice in.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 -
Thank you! So today I spoke with my boss and told her I was going to be leaving. They were surprised and want to have a further conversation with me about it but I'VE DONE IT!Feels strange - quite low key but feeling liberated and quietly excited.
I read somewhere that your work can advertise and replace you when you leave but your family and friends can't replace you ever - so true!So, actual end date to be confirmed but the clock is ticking.
I'm going flat out to pay my council tax off as fast as I possibly can. It's a psychological boost for the first few months of retirement to not have my biggest monthly bill. I've got £75 in my "accumulation of marginal gains" pot - that equals 2% or two apples or leaves on my 100% tree. There's no financial benefit in paying it off the bill straight away - I think I'll wait til I've got £150 to pay it. I'm hoping to pay £500 at the start of May which includes some of my council tax re-banding refund. I will have paid £1000 in 2 months. Blooming council tax!5 -
So exciting! Congrats for being able to do it!
2025 decluttering: 5,229 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 395🥉🥈🥇💎🏆Big kitchen declutter challenge 132/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
Woo hoo fantastic 🥳 🥂I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)2 -
Just caught up! So sorry about the funeral and the car (though glad car wasn't as bad as you first thought). Amazing re handing in notice - count down now - woo hoo!2
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Well done for going ahead with your plan. Good luck with clearing the CT billAchieve 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 -
Thank you all for your good wishes - such a peculiar feeling - so close to freedom, yet it still feels slightly unreal. My boss has asked for a meeting on Wednesday to discuss - not sure what there is to discuss other than leaving date. They said they would have liked a longer lead in time - then they should have made my notice period longer is my view.
🐙 have emailed that this months payment is unchanged. My fix didn't end til the 20th April and I'm £200 in credit which I think explains it. Following Foxgloves' approach we are trying to make little savings - 2 side lamps on in the lounge (instead of 4), hardly using the oven - using slow cooker and air fryer instead. Gently reminded OH that wearing shorts, t shirt and bare feet might be a contributory factor to him feeling "absolutely freezing, I'm going to put the heating on" 😵💫
We had unplanned visitors on Saturday which was lovely. The old me would have rushed to the shops and spent a small fortune on food and drink. Instead we made a lovely chilli, rice, sweet corn aioli and a tomato, onion and coriander salsa. I made chocolate brownies which we had with ice cream and raspberries. Already had wine in the fridge for the weekend. So no additional spend, everything from stores and a really nice evening. Great result!!!!6 -
🐙 have also kept my direct debit the same. Also in credit so suspect this is why. A reprieve for one more month anyway 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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