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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
    Inspired by the return of BCNS and her threat to read my diary I flicked through some of my earlier posts (going up in 10s and reading on if it was more exciting than usual.  Not quite a roller coaster, but definitely not a walk in the park :smile: - Notes:

    * You all have been fabulous in supporting me and giving me different perspectives: some run through the thread like a rock; others dip in and out leaving glitter behind them when we have the pleasure of their company for a while
    * I have (fingers crossed) got the debt to bed and now witter on  about savings pensions and mortgages - but I think they are now just ticking along smoothly, which is nice
    * I have absolutely obsessed about fitness/steps and weight and haven't actually succeeded in doing a lot about either can't believe I was a gnats breadth away from 200lbs and now I'm back to 3+ stone heavier
    * Am beginning to look forward more and more to 2024 and all that brings (180 days to R-Day) - I am not wishing the years away, but when I started 1/1/2020 I only had vague hopes/thoughts/prayers of what might be achieved and I am now happy I can manage that big change (unless the world has another meltdown) so am keeping options

    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • maggiem
    maggiem Posts: 1,954 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    How lovely to read your review. I'm one of those who subscribe but rarely comment - think I'd rather like to be glitter 😂😂. I really enjoy reading your posts and wish you all the best in your efforts to be healthier - I have those laudable intentions too. And finally, retirement is great. I retired completely in September last year and it's a huge relief not to have to get on top of new advances and research, I'm sure you will love it when it arrives. 
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thank you maggiem that's lovely.  And also very reassuring!!
    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
    mark55man said:
    * You all have been fabulous in supporting me and giving me different perspectives: some run through the thread like a rock; others dip in and out leaving glitter behind them when we have the pleasure of their company for a while


    You have a nice turn of phrase. I appreciate the same in my diary too. Time commitments mean some people are sporadic but still welcome.

    Commiserations on the 3st. I totally relate.

    Best of luck with your on-going journey. Well done on the 3 year anniversary of no overdraft.
    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
    Thank you SH - I have found that I am lurking more in recent months and writing less - reacting more to events or calls for help than general chit chat.  Like maggiem said - just because you are lurking doesn't mean you are not enjoying the content - and if now and again you drop a glitter bomb well then that's just fabulous
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    First comment on the new look and feel MSE site.  Not sure I like it but will learn to love it no doubt

    Only just 1/3 way through the month and things looking a bit tight.  But as t2rry said on her thread its that feeling skint feeling that stops the fritter.

    OH and I have been trying to be more hospitable and have had a few people around - and as a consequence are keeping on our toes tidy-wise.  Hence we are a bit less cluttered than usual - which is nice.

    Work has been quiet for a bit, but is picking up so will be travelling a little more - which is cost neutral but can bother the cash flow.  I will use CC for business expenses but otherwise have used it sparingly and for smoothing at the end of the month when payday is imminent but not yet there
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • t2rry
    t2rry Posts: 1,080 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I love how tidy our house can be when we just have people visiting!!

    Sometimes I pretend someone is going to turn up in 10 minutes to force me into that panic tidying mode, get so much more done that way than any other!!
    Debt Free I FFEF I Building Savings I 2025 Plan:
    1. Regular Savings £9,000/£10,000
    2. Slush Fund £5,270/£10,000

    Save £12k in 2025 - #50 - £14,270/£20,000 (71%)
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Love it - will have to try that t2rry
    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 have deliberately invited people before now just to make myself tidy. I'm lucky enough to have a weekly cleaner - but again that prompts me to at least make it look respectable before she arrives. Now I'm selling - it's a huge motivator to know I have to keep it tidy between viewings... 
    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
  • Have enjoyed catching up with your diary Mark :) Shame the ambassador thing didn't work as I always think you're a firm but fair voice on these boards...
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
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