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2020++ - smiling and waving and looking so fine

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  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 fine
  • 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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • I am yawning just thinking of that time of day! Good luck with the new health kick
    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
    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 fine
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Worth it. 13,000 steps impressive too
    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
  • 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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 October
    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: 7,616 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    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. 🤣  
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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 24 September 2023 at 11:03AM
    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 fine
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