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2020++ - smiling and waving and looking so fine

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  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    * Week 2 Day 1 - Breakfast: Berry Smoothie - Lunch:Pear and Chocolate Slimfast  - Supper: Prawn Caesar
    * Week 2 Day 2 - Breakfast: Cheesy Bacon Lettuce wrap -   Lunch: Pear and Chocolate Slimfast - Supper: HM Burger & Tomato Salad 

    Was very hungry - don't think the slimfast are doing it, but we had them and they need used up and were handy for work - actually nice tasting (improved from a few years ago) just not that filling
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Humdinger1
    Humdinger1 Posts: 2,332 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Congrats @mark55man! A big breakthrough re cc and OD!!  Humdinger 
  • Great news on the OD/CC. 
    Love that you are sharing the meals on the plan :)
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad that the diet is working well and that you are spending less - a double win.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    @savingholmes - thank you - you are winning too
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • EchoB
    EchoB Posts: 124 Forumite
    Third Anniversary 100 Posts Name Dropper
    Wow @mark55man you’ve made amazing progress.

    its such a nice feeling to not be in the OD at the end of the month 😁
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    @EchoB - thank you - you're doing very well as well - different circumstances but same determination :innocent:
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • alt80
    alt80 Posts: 4,659 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Following.
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