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2020++ - smiling and waving and looking so fine

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  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I saw the pictures on your diary @savingholmes - very restful - and note that although it literally was, 7000 steps isn't a walk in the park

    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: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Not too bad today - didn't go to the gym, but did some chores and sat outside, and did some cores sitting outside (the return of the carrier bag folding, this time its triangular)

    Got the family a soda stream from FB seller to try and reduce the number of cola and fizzy water bottles we were getting through.   IT was quite odd, the seller's dad who completed the transaction was grumbling the whole time that he didn't want his DD to sell it.  IT was an OK deal :sunglasses: and the fizzy water isn't quite as tasty as the bottled stuff, but it will work out fine I'm sure
     
    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: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Went to the gym today - walked a mile, ran a mile and rowed 2 - next time I will do a bike ride as well and claim a hemi-demi-semi triathlon 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Sounds like things are going great on both the debt and the exercise! I like doing a mix of machines at the gym too, but of a row, bit of cross trainer (its kinder on my knees than the treadmill!) and bit of cycling, keeps it mixed up and more interesting.
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the exercise. LOL on the seller
    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: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    so all my steps are paying off - now above 30000 steps for the week so just need to keep it there and then push it on.  35000 is a nice target averaging 5000 a day isn't shooting the lights out but is a good MSE sort of target 
    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: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Just finished my monthly numbers - no drama, although I moved my EF into my current account I haven't touched it, although haven't grown it as I focus on CC3, now at £6.7K.
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Sarahwithlove
    Sarahwithlove Posts: 3,344 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    My gym is really quiet with the nice weather at the moment 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Mine never seems to be quiet.  so much so that I walked there and back yesterday to act as my warm up cool down and just used a couple of machines when I was inside - which is OK when sunny but not so great as a general rule.  Did get above 40,000 rolling day average on steps as its a couple of miles to the Gym
    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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