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2020++ - smiling and waving and looking so fine

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Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds great progress especially with things coming together with the kids
    Achieve 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 13/9/25
  • alt80
    alt80 Posts: 4,659 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Sounds like you're doing really well mate. Some ways upping the steps - get out the office a few times a day. Just 10 mins. I am 'lucky' to get out most days on jobs so steps not a massive issue but on the days I am in my office all day I set my phone to remind me every 2 hours to just get out for 10 mins else I can sit for hours and hours.

    Reading about your kids being the age they are idk it makes me think life moves too quickly exciting for them though. Just my own realisations I'm getting old and have a lot of regrets ha.
  • alt80
    alt80 Posts: 4,659 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    @mark55man mate you're doing ok if your biggest regret in life is a slightly longer mortgage term than you'd have liked. 

    You'll get there with your steps mate. Just keep at it, some days will be better than others how it is. Are you at your maintenance weight now? Iirc you were doing some version of the 5:2 diet and lost a lot of weight in total. I've got 3kg to lose to be back to my pre rehab weight at least I'm down 1.5kg from when I weighed in after Centre Parcs. Might try to bin that off over August just being sensible with the cals and monitoring exercise. Generally failed a bit with exercise myself the past week so need to get back to it.
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