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2020++ - smiling and waving and looking so fine
Comments
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Report Back 004 - for 22/01/20
Fitness & Health:
Weigh in at 258lbs down a couple - so going OK - slow and steady through reduction of carbs and extra exercise which has been more steady this week, averaging 5000, have been to gym once, and not done a big ride on my bike, but have gone out a couple of times
Budget & Financial:
Looking like ending the month a little overdrawn but definitely less than expected and mainly caused by some costs in getting ready for our holiday at the end of the month and helping out DS1 with a bit of extra to support his job search
Environment & Green:
Nothing much to report, but no relapses as well as no new things - I'm not unhappy as the biggest threat to environment the is people constantly doing stuff
Community & Volunteering:
Volunteered for a local litter pick and tidy up, which was a bit back breaking (we were doing weeding and drain clearance) but good fun. Although my OH suggested my own garden might have benefited from it more
Organisation & Household:
Did manage to do a little in the garden, but at this time of year its 3 steps forward and 2 steps back, so will need a blitz this weekend before we go away or it might run away from us again. DS van still not gone, but still interest, just leaving it a little to see before we reduce price again. Done some personal admin that was outstanding (yes the inland revenue!) but I'm fine and no fines or stupid tax as I refer to themI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Hi Mark -your signature always makes me smileAchieve 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 14/11/251 -
savingholmes wrote: »Hi Mark -your signature always makes me smile
I just love the way he sings it !!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
And I love the cheery title of your diary. Came to these diaries tonight to be cheered up and inspired... Job done...thank you!Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.1
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Pidge you should look at BCNS’ signature if you want a smile and an affirmation.
Busy today - staying over in the city so chose a hotel about 2 miles away so I could walk to work and back and hit my step count. I Planned!!!!! it so well my Fitbit clicked over my target just as I walked into reception so now I’m done for the day.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Haha, great result on steps. Well planned.
Have a good day.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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Good planning on the steps, 2 miles each way is a very impressive walk....DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved2 -
Consider me impressed - that's commitment to step count alright!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 -
I can walk for miles in London. There’s always a different way and something new to see.
Walked to work today then walked to a client and back and the. To a supplier and back and then to the tube. So 50% over target today at 18000. But footsore tbh and it does add up time wise.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3
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