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2020++ - smiling and waving and looking so fine
Comments
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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 fine3 -
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
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 fine2 -
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 fine4 -
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 ✅
3 -
Well done on the exercise. LOL on the sellerAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252 -
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 targetI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
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 fine4 -
Now at 36000 steps for the rolling week - went to the gym today but it was heaving busy so cut my run a bit short and moved to the bikes which were a bit less in demandI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
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/3 -
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 GymI 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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