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
-
Thanks both. £7k a day sounds a lot better
Here is my report from Monday 27th.- Steps: 425K/2.5million steps this year - 3 days ahead of target - Max on Target Streak 12
- Weight -2 lbs off over last week so 10/24 for target 1 (Under 17st)
- Exercise - 5km in 48'52" on treadmill (1 min down) - 2km in 9'54 on the C2 Rowing Machine (not doing atm) - been a bit slack
- Savings - £1500 / £10,800 - just juggling holiday costs so a little behind schedule
- Retirement-Day - 240 AWDs (Actual Working Days) to go
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
Have managed to blow my steps emergency fund. To the point where I am now only just ahead of average
An odd mirroring of my behaviour when I have a surplus of funds - which is why I am trying to lock everything away as soon as I can even if it causes some juggling.
Live and don't learn - that's meI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
You are too hard on yourself. You are still doing more steps than the average person - you are mortgage neutral and still have some savings - and you are still working. You still have 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 29/7/252 -
I do know that @savingholmes - and thank you for the reminder.
Was just a bit ironic I had got myself a steps cushion that should have lasted a lot longer and literally sat in my chair and watched it deplete!!
Today will be more active - doing some leafletting and then coffee and cake with OH and a friend who is having a genuinely hard time at the moment
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
I think we all succumb to letting such buffers run away from us at times.
Enjoy the coffee and cake 🍰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 -
Yes; if everything went to plan all the time, we wouldn't need buffers. Please plume yourself @mark55man; you are doing brilliantly love Humdinger x2
-
Here is my report from Monday 06/03
- Steps: 454K/2.5million steps this year - 1 day(s) ahead of target - Max on Target Streak 12
- Weight 0 lbs off over last week so 10/24 for target 1 (Under 17st)
- Exercise - 5km in 48'52" on treadmill (1 min down) - 2km in 9':23.8 on the C2 Rowing Machine (25 secs off last one)
- Savings - £2500 / £10,800 - just juggling holiday costs so a little behind schedule
- Retirement-Day - 235 AWDs (Actual Working Days) to go
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
Looking good still.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 -
Just caught up and your holiday sounded lovely. Cornwall out of season really is stunning.
Your activity is excellent.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) 25/0720252 -
Thank you SH and DIA.
500 steps short of average so far today - lucky I got some in over the weekend as its been dreadful around here for the last few days. A few chores will see me over the lineI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2
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
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards