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2020++ - smiling and waving and looking so fine

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Storm in a bath tub now hey... It was a tempest last time you wrote. 

    Hope you are doing well.
    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 29/7/25
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So this week has been a roller coaster
    * Monday - tax refund (stupid rebate) - nearly £2K - I had not told the Rev about a change in my working patterns so was paying too much tax
    * Tuesday - some bad family news (distant but important relative)
    * Weds - family visit - always nice
    * Thu - Nothing happens
    * Fri - one of our cats clipped by a car and now well on way to recovery after well over £1K of work. 

    Ho hum - at least she is fine, and thankfully the driver or a neighbour had the decency to take her to the vets straight away.

      
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Oh no, poor kitty :( Fingers (and paws) crossed here for a speedy recovery. Hopefully a less eventful week ahead!
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I have just flitted through your diary and good to hear you are on the final countdown to retirement.  You won't regret it I am sure.  

    Great news on the tax rebate but sorry about bad family news and kitty.  

    Shame you are no longer an ambassador as you were definitely a  voice of reason on here. I did not know that the MSE forum team have an issue with signatures. Maybe next year. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
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  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 25 July 2023 at 7:18PM
    Thank you BCNS - keeping an outdoor kitty indoors is almost more stressful than dealing with her being injured.  

    Who knew that a cats jaw was not all one bit of bone but more like a kneecap and who knew that stringing a bit of wire through to fix it all cost £600.  

    We did think about insurance for both of them but we do actually live in a quiet area so decided to self insure.  I think break even is now 2027 and longer if they need anything between now and then
    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: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 25 July 2023 at 7:33PM
    Thank you ES - I think I just don't agree with volunteers being told to act like employees.  I can see it entirely from their PoV I just don't agree with it and dislike being managed by anyone but my boss and I'm not entirely sure if I like that if I was totally honest.

    I appreciate your other comments as well.  The ambassador thing well it was nothing more than a waft in a water-closet

    ETA: Your signature was fine - they just wanted their message at the top front and centre and everything else underneath - as you know my signature reflects the 5 years song and I have become more than a little fond of it - plus all the numbers which I lost when trying to keep it all of a size
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man said:
    Thank you BCNS - keeping an outdoor kitty indoors is almost more stressful than dealing with her being injured.  

    Who knew that a cats jaw was not all one bit of bone but more like a kneecap and who knew that stringing a bit of wire through to fix it all cost £600.  

    We did think about insurance for both of them but we do actually live in a quiet area so decided to self insure.  I think break even is now 2027 and longer if they need anything between now and then
    Oh gosh yes, trying to convince an outdoorsy one that they need to be indoorsy for a while isn't fun - I was lucky with PD who turned her nose up at the outdoor world fairly early on, and fully embraced indoor living! She's also self-insured - the policies were getting ridiculous as she was getting older. 

    I didn't know that about their jawbones mind you! I'll have a poke about with PD and have a feel - she's quite obliging  :D Will keep fingers and paws crossed that no more vet trips needed in the foreseeable future
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If it's any consolation my cat costs £14 a month to insure and that was with a huge co pay.

    Hope your cat recovers quickly.
    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 29/7/25
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 26 July 2023 at 8:23AM
    Thank you - at least when you self insure there is no copay!!.  I found similar rates although it was also what I wanted to do so didn't look too hard in the market

    Plus this morning when the outdoor curfew was ended, she just wanted to sit on my lap and stop me working!!  so all is normal
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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