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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 £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/261 -
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!
2026 decluttering: 1,025 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 276🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆3001 -
Woo hoo fantastic 🥳 🥂I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!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 £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/261 -
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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