2020++ - smiling and waving and looking so fine

mark55man

So for clarity, I am going to keep posting here even though my CC as with my OD is very nearly a a thing of the past. I set out of 5 year objectives in post 1 and I am going to see them through whether you want it or not

2020 was about debt and weight
2021 was about debt and keep fit
2022 is going to be about my domestic environment
2023 is going to be retirement countdown (but prob not in 2023, definitely hoping for 2024)

So 2022 will be about keep fit lose weight, but do more to declutter and also do more for the community.  I won't talk much about retirement planning as that's not going to happen in 2022 (and prob not in 2023) and everything there is set up. I do also have a MFW thread about my desire to have a pension pot matching my outstanding mortgage balance, but that's quite technical and factual, and the MFW threads are mainly about OPs and not about life in general which is what I I enjoy most on this thread 

Thanks all - happy new year's eve and a prosperous 2022 to you all

f0xh0les

Why thank you! and the same to you and yours.

ohdearhowdidthathappen

Happy New Year to you too.
Glad you'll be sticking around

AntoMac

Happy New Year Mark. What a great feeling clearing your Overdraft and CC debt must be.
I look forward to that same feeling 5,412 pounds from now! 

mark55man

Yes indeed.  A bit of a messy drawn out end with the Christmas overhang but I'm confident I can get through January with what I've got and clear the CC balance once and for all.  When I did my OD it was a case of gradually having less overdraft each month until I was clear. 

Here it will be the same until one month I should be able to get through the month with no CC expenditure even for larger items.

I have made life a bit more difficult by committing to up my pension payments using the money previously going to CC so no extra to spend and cost of living going up.  Complex and drawn out, but I wouldn't have it any other way 

@antomac your last few thousand will whizz by I'm sure another 12 months or so should see you done

savingholmes

Happy New Year 🎉🎊🥳 I will still follow your next stage

mark55man

In my last MSE act of 2021 (or getting an early start on my 2022 todo list) I responded (at 4pm) to the last in trail of emails about a weekend away W0wcher deal that went astray in 2020.  The hotel team are super efficient and/or bored and by 10pm we had sorted a weekend away for my OH birthday as a spring getaway 

so that's nice

savingholmes

Sounds lovely

FootyFanDan

Happy New Year Mark, glad your planning on sticking around. Here's to whatever 2022 brings us.

mark55man

@FootyFanDan - thanks Dan - 2021 will not be missed.  I have high hopes for 2022, but not until the summer really. until then just keeping on.  Hope your work is being more reasonable and not just rely on you