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2020++ - smiling and waving and looking so fine

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  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Here is my report from Monday 13/03 
    • Steps:  500K/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)  - At least I am not gaining
    • Exercise - 5km in 48'52" on treadmill  - 2km in 9':23.8 on the C2 Rowing Machine  
    • Savings - £2500 / £10,800 - £1K tax refund today from frog eaten months ago - so will juggle savings when its cleared
    • Retirement-Day - 230 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 fine
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Nice tax refund there and doing great with the steps :)
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the £1K!
    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 13/9/25
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Nice lunchtime walk into town with cheque in pocket, and back home £1K lighter :smile:



    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • f0xh0les
    f0xh0les Posts: 7,643 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    And a jolly happy Wednesday to you too!
    📯 📯    Toot!! toot !!🎺🎺   - best fanfare I can manage right now 🤣
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the very MSE steps
    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 13/9/25
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Here is my report from Monday 20/03 
    • Steps:  564K/2.5million steps this year - 2.5 day(s) ahead of target - 4 of 7 on target this week - Max Streak 12    
    • Weight 1lb gained over last week so 9/24 for target 1 (Under 17st)  - Need to get back on plan
    • Exercise - 5km in 48'52" on treadmill  - 2km in 9':23.8 on the C2 Rowing Machine  - No change this week
    • Savings - £2500 / £10,800 - Mid month is boring
    • Retirement-Day - 225 AWDs (Actual Working Days) to go
    I have been pondering whether to go part time and work longer (same number of AWD but spread over more months).  But I have decided for many reasons not to except right at the end leading up to Easter 24 and a little beyond
    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: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think you are doing the right thing in letting your plans evolve naturally over time. 

    Well done on the steps.
    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 13/9/25
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 29 March 2023 at 2:28PM
    Here is my report from Monday 27/03 
    • Steps:  604K/2.5m steps - 1 day(s) ahead of target - 2 of 7 on target this week - Max Streak 12    
    • Weight 1lb lost over last week so 10/24 for target 1 (Under 17st)  - Need to get back on plan
    • Exercise - 5km in 48'52" on treadmill  - 2km in 9':23.8 on the C2 Rower  - No change this week
    • Savings - £2500 / £10,800 - Mid month is boring
    • Retirement-Day - 220 AWDs (Actual Working Days) to go - 1 year of working days 
    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: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the steps. 

    Nice to see AWDs reducing
    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 13/9/25
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