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2020++ - smiling and waving and looking so fine
Comments
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Chuckling at your Arnie vs Danny example... I'd be very disappointed
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved1 -
Ha! Twins was nearly 35 years ago - OMG
A very walky day today, and although its blowing a really bracing wind, its actually really very sunny and so the few spots where its sheltered and south facing were blissful. Currently at 18000 steps and another 2000 to go as we finish off the day's activities
Pasty for breakfast, different flavoured pasty for lunch. Fish and chips planned for supper - oh dear, but never mind!!
Budget of £20 per day boosted by not yet having a shop bought coffee, plus a significant haul of post xmas alcohol is being despatched slowly, but surelyI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
So fish and chips last night was nice, but a bit carby - I think I'm becoming a bit sensitive to too much. It is possible a couple of pints with a friend didn't help, but were very enjoyable.
Another morning walk, I just can't stay in bed once I've woken up - so I took a wander along the coastal path and back for 10000 steps before breakfast. Anything else today is a bonusI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
I loved your description... Well done on the walking...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 -
Another 10000 today - with a few more to come. Its glorious again down here in the SW - literally wouldn't believe it was 100mph winds a handful of days agoI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Well done on the steps so early in the day. Sounds like you are in Cornwall. My happy place too. I miss it. It is also my favourite place for eating F & Cs too. Enjoy
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Sounds good. Glad you are having fun.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 10/10/252 -
Great to hear you're getting so much activity in AND by the sound of it really enjoying it, too!🎉 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/her2 -
Yes, a nice mix of bracing walks, and then sat inside next to the fire or eating out (have been a little extravagant with take out lunches - we normally do TO every other day but this week has suited us to eat separately. Another 12000 steps today - that's all I'll do. Tomorrow is the last full day so will try and do a big walk as OH is doing an artful classI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
A long walk this morning - including a short walk on a long pier just to click me over 12000 and 2 hours. Last full day today so going to hit the ice cream and 2p machines at the arcade with all our loose change until its goneI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2
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