📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

2020++ - smiling and waving and looking so fine

Options
1157158160162163186

Comments

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mark55man said:
    mostly its the same lesson - you can achieve anything you try, but you can't achieve everything at once
    I so agree with this. 18-24 months ago I got CC free, then my target became my EF and increasing AVCs - my next target is moving and then trying to get to FI Summer 2030. 

    I think you are hard on yourself on both weight and steps. If you could achieve your weight goal in 6 months that suggests you are not doing too badly at all. Steps are up and down but you set a really high bar for yourself. 

    Well done on all you have achieved this year for yourself and your family. Celebrate it before rushing on as FS said to me one time... 
    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
    Thank you SH - I have also seen that phrase written as you can do anything, but not everything! but as you say the time is the main blocker.  I also like the quote (not sure where it is from) "time is what stops everything happening at once, and space is what stops everything happening to me"

    Here's a bit of fun from twitter
    --->
    A list of my five resolutions for 2024:
    1. Stop abandoning projects before they’re finished
    2.
    3.
    4.
    5.

    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
    mark55man said:
    Thank you SH - I have also seen that phrase written as you can do anything, but not everything! but as you say the time is the main blocker.  I also like the quote (not sure where it is from) "time is what stops everything happening at once, and space is what stops everything happening to me"

    Here's a bit of fun from twitter
    --->
    A list of my five resolutions for 2024:
    1. Stop abandoning projects before they’re finished
    2.
    3.
    4.
    5.
    Absolutely love this.

    I know the quote - if you type it into utube a particular FI podcaster called Paula will come up
    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
    Happy NYE Everyone - just going out to see some friends and then home for 2024!! 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Happy New Year @mark55man and anyone else reading.  
    Best wishes for 2024. 

    L x 
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 1 January 2024 at 12:10PM
    Targets by 31/12/24

    Weight - Start 257 lbs Target -57lbs:

    Fitness 
    • Steps - Start 0 - Target Steps 2m - Stretch Target 2.5m
    • Rowing - Start 10min for 2000m - Target 9min - Stretch 8min (2:00/500metres)
    • Flexibility - Stretch Target - Touch my Toes :smile:  
    Greener Cleaner Environment - Started the year with bins and dishwasher and washing machine emptied and christmas mainly finished, but will leave the tree up to Epiphany - Target - More Presentable House and Garden

    Declutter - Nothing yet - target Lounge, Kitchen, Dining Room, Study, Bedrooms #1, Bedrooms #2, Bedrooms #3, Bedrooms #4, Garage (last but not least).  We don't have an attic - we have a loft conversion - but that is clear as the youngest has been working hard on that.  Target 10 rooms in 12 months

    No using the CC - Not so far - but it is only 10:30 01/01/2024 - Target - Work Only - Stretch Target - None

    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
    Hi Mark - I'll PM you some book recommendations to help with the decluttering. 

    Fab goals. I'm glad you've given yourself 12 months to lose the weight

    Happy New Year
    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
    Sunny morning, so went out for a walk into town the long way round bit bracing but very nice

    Youngest and partner have asked for my help setting them up in their new rooms - but are still in bed!! That may be Sunday's challenge 

    Just finalising my 2023 accounting but I think I need a rethink as not getting much value from the spreadsheets
    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
    What is it about the spreadsheets that isn't working?

    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 8 January 2024 at 9:42AM
    SH - They are not in technical trouble, its just they are not telling me anything I seem to be interested in.  I will carry them on to record and scrutinise the transactions but I'm going to stop all the analysis - I will set something different up after R-Day

    Other Targets
    Steps - 17242 / 2000000
    Weight - 3lbs lost / 57
    De Cluttering - 0 / Lots
    CC Usage - 2 / as few as possible
    going to gym - 0 / 100
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.