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2020++ - smiling and waving and looking so fine
Comments
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Congrats on the bonus, continued weightloss and driving down your debt balance. You are doing consistently well.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/253 -
Just caught up on the last 3 months, you’ve made fantastic progress
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Thanks SH and EchoB - yes definitely 3 steps forward and only 2 steps back at the moment - looking forward to my work ending Friday week than 2.5 weeks off and I'll see if I can beat DIA in an end of year (prob start of 2021) frog eating competition.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Wow this I'd like to see. Frog eating LOL. I've got a few of my own to do!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/252 -
Let's have a frog off !!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
LOL - my frogs all feel far too huge - I'm putting most off until I break up for xmas... but I think I will still want to run away....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/253 -
Well apparently my November payment on my car loan was my last - and Sainsbods bank has even auto deleted the DD - which is a shame as I take great enjoyment in deleting DDs.
So I have been loan free since mid November and now have a £500 xmas bonus - which is nice. Just CC2 to go
Sorry for keeping you in the dark, but I was in there with youI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Just caught up on your diary , what a great hole you have made in the debt , not long before debt free apart from the mortgage. Plus your weight loss is great , how much more do you want to lose ?Life is an adventure, never stop exploring.4
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Woohoo to waving goodbye to car debt. Good you have extra funds for xmas.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/253 -
Hey Sunshine_girl2 - yes the pandemic has been terrible but has had some advantages. Knocking chunks off the debt and being not so chunky (chonky??). My long term target weight goal was 200lbs which I aimed to do over a few years. But Keto, and now Fast 800 means I am only 2 lbs off that now. But that is only just within healthy parameters even though I am quite tall. So, I will probably have another go after Christmas and see if I can get down to 190lbs (13 and 1/2 stone) or even 180lbs (12 stone 12) - ONE HUNDRED and EIGHTY. I can visualise myself saying that on the scales
On the other hand most of the weight seems to be coming off my bum and not my tum, to the point where I am not as able as previously to sit for too long without padding. I am certainly making more use of cushions - I am quite sedentary when working from home
Hi SH - woohoo indeed. What a nice xmas pressie from myself to myself
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5
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