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2020++ - smiling and waving and looking so fine
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Some great FEBs in Feb... Couldn't resist.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
I agree - another couple of FEBs with Amazon come through to the bank. Although I also incurred some Stupid Tax in ordering the wrong size of dishwasher wheel - but on the plus side I will get a FEB when I return them
Have been managing to do 2000 steps a day (which is an improvement but still dreadful) but I am quite sedentary when WFH. However yesterday I only managed 395 - oops - so not Lazy Tax but def LazyI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Glad you are getting refunds. Steps impact from lockdown is significant particularly in bad weatherAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
Very difficult to get steps in when you literally don't leave your chair, let alone the house. Its just so wet and grim at the moment. Hopefully when its a bit nicer I will take the odd 15 minutes for a stroll, or even do some of my listen in only work calls while pacing the nearby leisure areaI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Wet and grim here too. Roll on some sunshine... Come back all is forgiven....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
working this weekend - but its OK, I'll get the days back (Time Off in Lieu) when its not so grim - maybe later in March
Just decided that as I am happy that routine DD and repayments will see my CC vanquished this year, I am going to accelerate my Mortgage Neutral plans, and have upped my notional (pension) savings allocation to that and away from EF / general retirement funding. Will work out what that feels like on next pay day, but that's only a few days away.
I can never get over how long January is and how short February is. Then not long to Easter - hopefully we will not be so locked-down by then!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Roll on freedom including financial
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
Just what I was thinking - thanks SHI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
OH has got a on line crafting course with her bestie (online many miles away) - so will effectively be home alone (if not quite alone). Still got work to do but got most done yesterday - I can hardly tell the difference between weekdays and weekends at the moment so I'm not that bothered.
Did a jiggle round with my spends spreadsheet, and it has been super cheap this month, so looking good for the end of the month.
I don't like wishing the year away, but I'm so done/bored with winter - will keep going for a few weeks on autopilot and then hopefully we will be in a warmer, sunnier place, and I can start my plans for garden improvement. I did a bit last year, so hopefully nature won't have undone it all
I am tempted to book a week off, for Easter and just make it about getting the year rebooted - will depend on lockdown news over the next few days. We're quite flexible at work so I might see if my boss will go for sunny days only holiday - although the certainty of a week off come what may is quite tempting - and its not that we are short of internal rainy days chores to do !!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
1008 steps today - a real achievement to make 10% of recommended daily activityI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4
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