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2020++ - smiling and waving and looking so fine
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So the get ready for Christmas health kick begins tomorrow. I weighed in and have a trip to the big smoke to kick start my steps. Been to the shops and have a healthy keto-ish breakfast ready for my 06:00 start. I always like that Robin Williams line from good morning Vietnam = It's 0600. What's the O stand for? Oh, my God, it's early.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Yes, me too on starting the health kick....
That is an early start!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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720251 -
I am yawning just thinking of that time of day! Good luck with the new health kickAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
13000 steps a good start - but the evening not so healthy as work asked the team out for beer and curry (trying to encourage us to come into the office) - Reader, I didn't say no!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Worth it. 13,000 steps impressive tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
Ah, you'll burn that off in no time and life is for living.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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720251 -
A big day of walking today (hope it stays nice), I'm doing OK against my original targets of 7K (not quite there but nearly) but a long way short of the 10K a day I need now to get to 2.5m steps this year.
I'm currently a little over spent following a visit from my brother and family from a different time zone - enormously good fun and all that but not cheap. So will have to work on that - I can feel some more money shuffling in my not so distant future, but I'm hoping a frugal month in October will redress most of the balance.
I'm set for the winter heating wise (bit of a cash buffer with the provider) although I did pop it on for a blast last night as we had the windows and doors open most of the day as a builder had been doing some dusty work. Sadly the cats loved this and were sat on top of the cooling radiators like they owned them. They may be disappointed as I am holding out for OctoberI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
Me too! DS3 is wandering around clutching a hot water bottle like a Victorian Waif in rags, mock shivering 🥶 and wailing about it being weeeeeeks until October Muuuum. 🤣4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******1 -
HI Mark - I think the money was well spent whatever it was. If they are in a different time zone - you see them rarely and need to make the most of it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
15000 steps yesterday - the secret is several shorter walks not one big one - my friend who I saw does 3 walks a day and he doesn't even have a dog!!
I love the word waif @f0xh0les - sadly I think it is coming back into vogue as everyone gets poorer. October is my target for regular usage, but exceptional circumstances before then
Yes thank you @savingholmes - my sentiments exactly. It was nice to pay him back - he largely funded a family trip to see him pre pandemic and it was nice to host him generously when here.
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1
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