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2020++ - smiling and waving and looking so fine

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Some great FEBs in Feb... Couldn't resist.

    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
    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 Lazy  
    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
    edited 19 February 2021 at 12:34PM
    Glad you are getting refunds. Steps impact from lockdown is significant particularly in bad weather
    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
    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 area 
    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
    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 £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
    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 fine
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 February 2021 at 12:58PM
    Roll on freedom including financial 
    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
    Just what I was thinking - thanks SH
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 fine
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    1008 steps today - a real achievement to make 10% of recommended daily activity 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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