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2020++ - smiling and waving and looking so fine

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  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    thank you FH.  Is love of kittens enough to justify a move now you are footloose and mortgage free.  prob not - but there are plenty of kitten pics on the internet x
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kittens sound fun - as does your countdown. Just enjoy life along the way. Are you planning to give up for good or go part 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
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    good question SH - I don't know.  part time might work, but my day count (although a whimsical mechanism) was based on some big picture maths, so if I go part time, I would probably have to  work longer.  Then giving up just as winter was arriving would be less ideal, and working through to the following spring is getting longer than I want..

    But wants vs needs, and the way the world is throwing curve balls every other month its all a bit of a guess.  I am lucky that nearly 1/2  or my essential (but comfortable) spends are covered by Defined pensions at that point and then 100% when we get to state pension age.
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How long a gap do you have between the 2? SP and ER?

    You could  take unpaid leave to give yourself a mini sabbatical and test how you enjoy it? Then perhaps go part time for it while you finalise your decision. Or do you just want a complete break?
    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
  • Love kittens/cats... we currently have 2 quite young cats.  Our other older cat (only 4) was recently hit by a car and killed  :'(
    FH... We live on a busy road and always worried about it, ironically he was killed on a nearby close which is as quiet as they come!  He was quite savvy after years living on a main road, we reckon the quiet close lulled him into a false sense of security.
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    How long a gap do you have between the 2? SP and ER?

    You could  take unpaid leave to give yourself a mini sabbatical and test how you enjoy it? Then perhaps go part time for it while you finalise your decision. Or do you just want a complete break?
    That's a good idea SH - will think about that - it is possible
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Love kittens/cats... we currently have 2 quite young cats.  Our other older cat (only 4) was recently hit by a car and killed  :'(
    FH... We live on a busy road and always worried about it, ironically he was killed on a nearby close which is as quiet as they come!  He was quite savvy after years living on a main road, we reckon the quiet close lulled him into a false sense of security.
    I'm sorry to hear that OSHDTH, we had a boy cat that went missing never to return at age 2 - he was so beautiful (dark grey) we think someone just nicked him, but he was also dumb AF so we do fear the worst.

    Our main worry is that they have just started going outside and seem to like resting under our cars - however quiet your close is there's no protection from that
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Kittens sound lovely.
    Nice to see you getting serious about doing less paid work. I don't say retirement as you seem very actively involved in many things, so work might continue in one form or another? 
    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
  • Kittens sound lovely.
    Nice to see you getting serious about doing less paid work. I don't say retirement as you seem very actively involved in many things, so work might continue in one form or another? 
    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
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yes DIA - have started doing extra curricula things, although got to be careful not to overload.

    My major plans are being more actively political, decluttering the whole house - including as many stay at home kids as possible, and making the garden more of a venue than a chore.

    That should do!!
    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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