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2020++ - smiling and waving and looking so fine

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  • I agree, London is endlessly fascinating. I have to go for 1 week a month currently and I easily hit my 10k steps; walked from Waterloo to the Strand over Waterloo bridge the other day. Wandered around Borough market at lunch. I do find Londoners are absorbed in their own little worlds though, maybe I appear that way too though to be fair
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    not going to do a budget report today as I have decided to do my numbers up to the transaction before my pay, which will be mid week. So probably Tuesday and then that will be month 1 of 60 (5 years right!!)

    got some phone renewal research/admin to do - plus I am keen to have another bash at the garden and then do some decluttering tomorrow. trying to make NSDs but I may have to spend a little to get a minor car niggle fixed - I am a regular so the garage may do it for free but otherwise will be £50 ish - ouch
    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: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Just off the phone to EE - managed to save £27 pm by turning a £35pm contract (iPhone 8) into £8pm and by juggling some of the loyalty freebies in our household I turned the 2GB data it came with into 8GB.

    Added bonus should be able to do the same with another 2 phones as we go through the year - mainly leveraging off bonuses but with my larger data allowance as a buffer
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • doingitanyway
    doingitanyway Posts: 10,016 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Great result with the phone contracts.
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thank you DIA yes - I was surprised to go as low as that. The EE data sharing thing could be very helpful. And although some of the bonuses are legacy entitlements they haven't removed them as I am a loyal customer - spending a bit over £1K with them a year over 4 phones which is a lot, but not terrible. And heading DOWN!!!

    spent this morning doing slog in the garden, creating nothing of beauty, but a green bin full of bad things heading to the tipand it does all look a bit tidier
    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congrats on the steps and the savings
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    hello - I'm off for a weeks holiday today - seeing my brother from a different time zone

    am going to try to digitally detox so when we get to the airport, I will be turning off for a bit

    see you in February
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Robin09
    Robin09 Posts: 596 Forumite
    Sixth Anniversary 500 Posts Name Dropper Photogenic
    Have a lovely time seeing your brother.
    SPC 076
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a good break with your brother.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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