We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2020++ - smiling and waving and looking so fine
Options
Comments
-
mark55man said: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!!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 29/7/250 -
382 workdays to R Day
My company are talking up the next year as everyone recovers from the Pandemic (it has been long in its impact, but although not gone its work impact is now marginal) so I have decided I will do full time for year or so at least until Dec 23. That will leave about 80 days left which should get me to middle of 2024. At least past Easter and possibly the May bank Holidays
Did enough steps over the week to keep my target at 2m. I am thinking about rejoining the gym when the clocks go back - I mope somewhat when OH is watching the soaps in the evening - so hitting the treadmill would be betterI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Gym instead of moping sounds a good call.
Nice to have a clear date in mind for R.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 29/7/251 -
373 days to go - I was toying with shaving some off just for the lols, but won't just yet. Mybe at xmas
I am having a half term sea side break with some friends. A rather more deserted beach than my normal Cornwall destinations, but the variety and beauty of beaches is worth it. Our friends are retired and super organised and somewhat pity our busier still working lifestyles so they are hosting us and so far apart from making a coffee and pouring the wine have not had to do anything - which is nice if a little frustrating as its nice to help out.
@doingitanyway - I feel your pain with your previous hosts/hostesses
Managing 10000+ a day which will help me get to 2m - which is looking very achievable unless I completely slack off over winter
Payday at the end of the month - and enough left with a little to roll over to next month - or more likely put aside for Xmas coffers. Kids mainly want cash and small stuff so that's fine by me. I guess that's trickle down which (surprise surprise) I don't believe in otherwiseI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Trickle down comment made me smile
Great you are keeping your steps up too.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) 25/0720251 -
Just caught up, enjoy your holiday in the meantime but congratulations on your retirement plan and by the looks of it being ever closer to mortgage neutral too. Whilst your goals are different to mine I really admire how you are helping your children set up for their adult life without spoiling them but with support.
Recently I've had to come to terms with difficulties I've had in my own life and the impact that has on others; found a new drive to work towards giving my family, staff and tenants who depend on me in some way or another some security rather than a whole !!!!!! ticking timebomb heap of leveraged property and credit commitments. I also really admire that you've achieved giving your family security.
1 -
Love the decluttering comment
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved1 -
Well done on the steps.
Enjoy the seaside.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 29/7/250 -
Thanks @doingitanyway - well, who else am I going to trickle it down to
Thanks @alt80 - sorry I haven't been on your thread recently, I kind of get overwhelmed by the volume and I don't know how you cope as its not always nice. Even if some of your pain/troubles are self inflicted, you always struck me as having real internal strength and decency and are trying to do the right thing, especially for your family. You will prevail.
Thanks @ohdearhowdidthathappen -- the kids are welcome to stay but need to move on before too long
Thanks @savingholmes - the seaside is always a breath of fresh air
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
367 days until R-Day, but I had a really hard/long day on Thursday so I am knocking another couple off for the lols so 365 to go
busy this morning, but will do my monthly admin this afternoon, then trying for a quiet day tomorrow!
Not going to fireworks display tonight - will stay in and look after the kitties - although they have been unimpressed for the few that have been let off early a full on barrage may be differentI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards