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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
    Weight loss is hard so any sustained reductions are worthwhile.
    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
    another lb gone over the last week.  not that I am trying that hard but I am trying.

    Hope ypu are enjoying your break SH - just a little MSE on holiday keeps me grounded
    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
    Thanks Mark - I enjoyed painting while away and was really creative and surprised myself. The actual cottage was disappointing. I also allowed myself to get too exhausted before my break so it took me all week to recover.

    I normally do MSE while away but had very little signal anyway and my brain was too full. 

    Well done on losing another pound. I need to weigh myself again now I'm back but haven't yet.
    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
    Good news: 10000 steps by 8am
    Bad news: Its because my car is having a new clutch fitted and some brakes so four figure (or close to it) bill incoming
    Good news: The car I paid £4000 in 2021 would now cost £6K to replace like for like
    Bad News: My usual tactic of running to the showroom when a large bill approaches is not now viable - I can't downgrade any further so will just have to deplete my EF
    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
    Ah well at least the EF is there and unusually even after the £1K spend you are better off compared than if you had to buy new. A little glitter in the dark at least.

    Impressive steps - and so early in the day 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
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hello - 3 weeks gone in a flash.  Covid been and gone in the house (not me), deadlines been and gone.

    Money been better this month and will make it out of 2023 reasonably clear - unless xmas is wild (which is won't be)

    got a trip to the seaside this weekend will try and get some steps in.  I've been OK Steps-wise but a general mojo failing means I have given up on metrication for the rest of this year - one final deadline in a couple of weeks then will be winding down and laying plans for next year and a long old holiday
    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
    Glad your family are ok despite covid.

    Your count down to retirement is continuing well. Exciting times ahead 😎
    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
    Another fortnight gone 2023 has been and (nearly) gone  so quick.

    Xmas planning is well underway although we have more travelling this year as oldies and youngies are more set in their locations so won't be the best we had, but it is what it is

    Looks like I will end up OK money wise for the year, health and steps less so, but OK

    Had a nice Christmas service at the local Church on Friday but I'm a sucker for a nice carol and they chose some good ones.  Including my favorite "In the bleak midwinter" not everyone's choice but I love it 
    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
    I've now got that tune going through my head. I love carols 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
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yes - only just getting into the Christmas spirit and carols definitely help!.  Did my last full day of work yesterday, then off until Hogmanay.  

    Got a lot of sorting to do and travelling this time - so it goes,- but will be truly feet up after Boxing day.  Looking forward to doing my annual write up and then heading into the 5th year of this 5 year dairy.  How did that happen - OMG!!

    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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