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2020++ - smiling and waving and looking so fine

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a good time 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Hope all is ok? You are probably busy in real life...
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • £200 is very reasonable!
    I thought Maverick was fab, good balance of nostalgia and action.  Tom Cruise is a bit of a loon, but he does what he does well and he looks amazing for 60!!
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • AntoMac
    AntoMac Posts: 2,688 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Hello Mark, not looked in for a long time so have just caught up.
    Glad that you have been getting in some enjoyment. The god people you have lost recently have made you realise we can’t scrimp and save all the time, as one day we of course run out of time. We just pushed the boat for our wedding anniversary and had a great meal, hotel stay and a glass or 2 of some good stuff. Yes I’m a champagne socialist too! 
    Was once persuaded by a mate to stand for local council on the basis that I would only be ‘making up the numbers’ I missed out by something like 8 votes, coming 3rd out of 6, which was far too close for my liking!
    I try to respect politicians of all colours as it’s a very tough job. That last one though. The lack of any sort of morals was… words fail me.
    Good to see that overall you’re still very much on the right track. 
    A few frugal and sober ones will help you appreciate the less frugal ones when they come round again. 
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Having just had a spur of the moment long weekend away where I too shock horror spent £ - it was worth it. I remember in the middle of covid desperately wanting to do stuff - and I know you were the same. I think many of us are making up for that lost time. I can't face the current chaotic airports either... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    edited 8 August 2022 at 11:17PM
    Sounds like you had a great time mate, a well deserved break for you both. I wouldn’t worry about spending a bit if you’re not !!!!!! it for yourself, you need some things to look forward to in life.

    When I was away my wife booked a week long summer holiday to Suffolk, we go this weekend wife and son really looking forward to it so going to try not to spoil this one for them.
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hey everyone - thanks for the support.  

    Nice to hear from you @AntoMac - sounds like a lucky escape
    Good to see you back @alt80 - Suffolk sounds great but not somewhere that I've seen a lot off
    Always a wise word for which I'm very grateful @savingholmes and you couldn't be more right


    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    edited 9 August 2022 at 8:39AM
    Not somewhere we’ve been tbh but it looks nice, son is excited  and don’t need to get on a plane surely a win rn. Long way from home though we are thinking about going in the electric car which could be a good idea or we could end up !!!!!! stranded haha.
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So the long, dull, not really much to add week and a bit has ended with a nice surprise from HMRC - i have been doing more work miles this year so I can claim a rebate for most of these (ie those not to my base office and not expensed at 45p).  This led to a nice and unexpected cheque from HMRC for just under £1K.  So that's been moved into my current A/C and will move it to EF when its payday and I can plan next month better.   Also they will build this into my tax code so will get "a pay rise" from that this year

    This is a nice time of the year with no insurances or birthdays so should be able to hold the line reasonably straight.  Also no more indulgent weekends away planned so should be able to save most of what we need for Christmas.

    Big walk planned for tomorrow, and weight holding steady.  Very glad that the heat has abated I found it quite draining tbh    
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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