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2020++ - smiling and waving and looking so fine
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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 £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252 -
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 £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/251 -
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
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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 £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/251 -
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 800/1000
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
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