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2020++ - smiling and waving and looking so fine
Comments
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Great on weight loss. I've started restricting carbs and feeling better for it.
Using a gardener to get a head start was a good move. My gardener is away as I wanted to do the same.
Like you I have a huge decluttering IKEA bag in my hallway and about to start another one...
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
thanks DIA
yes I find on the lo carb diet that I don't feel as hungry even if I have a light breakfast I can make it to lunch without snacking. Also its a bit binary - its not about moderating treats or portions, its about 100% avoiding certain things and I appear to be better as binary than a wider set of choices
pleased to say weighed in this morning, and was a smidgen over 240, so if I am good for next two days (at home then WFH) I should be under 240 and then 2lbs later under 17st for the first time in a while!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Glad the diet is working for you. Congrats on decluttering - we need to do more but I must admit without the incentive of getting rid of it quickly - unlikely to do so.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/263 -
I agree - we are doing what is necessary not what we would like to do.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
WFH tomorrow then 4 day weekend. eggs were already bought before I went lo carb. So I will not be lo Carb on Sunday!!.
Have a lovely weekend everyone and hope you can stay entertained, stay safe and stay homeI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
We have Easter eggs too - bought before lockdown! We are starting 5:2 tomorrow - wish me luck!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/263 -
my advice would be for the 2 days (if I understand correctly) is try lo-carb (you probably have to), but I find it very filling - so egg & bacon - chicken & cheese - then may be skip one meal and you might be surprised
I love the maths of 5:2 if everyone is slightly over eating on average, then just have 2 days when you are well under and job done!
Of course you should never take dietary advice from plump men on the internet even if they do think they are expertsI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine10 -
Haha, I love your sense of humour
Some of my friends have had massive success on 5:2 and lo carb.
Enjoy the Easter break, it'll be a random one, but a break none the less
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
I've planned porridge then omelette so far - still deciding on tea. Enjoy the sun while it lasts.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/263 -
omelette is lovely - especially with small amount of strong cheddar
my OH loves porridge with seeds and fruit, but I have gone with greek yoghurt (full fat lo carb) and raspberries (the lo carb end of fruitful naughtiness) as my easy no thought breakfast although egg and bacon is a regularI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4
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