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Giving every £ a job
Comments
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Excellent work saving that pot, and great you're getting some interest in the meantime.
I meant to say re the Tiffany's necklace, at least you bought something lovely with resell value should you ever need/want to, it could've been worse! Hope you're wearing it to do the washing up and that sort of thing 😁
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 59
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
It makes such a difference finding a form of movement that you love doesn't it! I've not been swimming at all this year - life has just got in the way.
As for the cupboards - organised they may be, that doesn't mean I can currently ever work out where to look for anything though!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Well done on the swimming and the CT pot being sorted.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 @PennysIntoPounds, @EssexHebridean and @savingholmes
it does feel good to have the council tax all budgeted for - I just need to manage my hurumphing each time I make a payment. I need to remind myself that whilst my pot is being depleted the balance outstanding is reducing too.
I now have 2 paydays left until full retirement. September is a full month and October a part month. I actually only have 4 more days to work and then I'm on annual leave until my final date of employment on13th October and then that's it - finished, done and dusted and free 😎
when I started this diary I hoped to retire early but it was more of a dream than a belief that it would actually happen. I've learnt so much from these boards - hints, tips, encouragement, honest reflections from others and I've learnt a lot about myself too. I'm definitely more inclined to spend than save but now I value time more than possessions so I can spend more wisely.We have a week away at the start of October and then we can acclimatise to our new phase. It's been good to drop to part time as it's definitely helped me recalibrate work/life balance to life/work balance.6 -
That seems to have come round quite quickly. Those 4 working days will go really quickly and then you can start thinking like a retired person and know that everything doesn't have to be done today! There is definitely another day tomorrow.
I'm sure you'll enjoy your retirement once it is actually here.2 -
Wow, four working days??? Hope they go quickly, and happy retirement! 😀2
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That's so exciting, congratulations!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 59
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
Hope the whoosh by in the blink of an eye!!
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1242 -
Fantastic. It's been good for you to adjust gradually. Enjoy your holiday when it comes too.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 -
How exciting 🥳 4 more working days, not jealous at all, yeah right 🤣I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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