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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
    Got to 200 steps by 6pm so did a long slow walk that I guessed would be about 10000 steps and was just a bit over when I crossed the threshold back home.  Tomorrow and Weds will probably be the same but Thurs/Fri I'm in the office which is a different challenge - I do more base steps but its an hour drive so I have less time to catch up - I may try a quicker run on the way home from work to see if that helps with the timing

    That's me at 20/23 .
    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
    Very impressive on the steps. 
    I made it to the park and back today so got some steps in with doggy...
    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
    Well I am sat on the sofa with OH at 8000 steps (I went to the gym and just ran out of time to do more). I've already done the bins, put a dishwash on, helped DS2 tidy his room and that only added 1000, so if I'm going to make the target I'm going to have to walk outside and my motivation is low.  I'll let you know tomorrow if my will power won or my will not power.
    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
    edited 25 August 2021 at 8:54PM
    Well my will power won yesterday (21/24), but my work won today, and I am sat at my desk with 1000 steps on my fitbit and no plans to go out so that's (21/25). 

    London tomorrow which is always good for a walk, and then a honest to goodness old-fashioned in the office face-to-face team meeting on Friday lunchtime.  I'm sure that will be fine and will be able to get out and about a bit during the day
    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
    edited 26 August 2021 at 9:11PM
    London offered its usual opportunities for walking, and ended the day at over 14K + a breakfast bagel at 7:30am from an independent shop with egg bacon and bagel - but unexpectedly also had cheese and a 6oz burger - I didn't need lunch :pensive:

    22/26
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • alt80
    alt80 Posts: 4,642 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Sounds like a good few days mate - enjoy London, staying on after the meeting for the weekend or going home?
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Just a day trip (I'm just close enough), but I do enjoy a walk after work (and will detour to the Touristy places - eg Buck House, Marble Arch and St Paul's have been recent walk by's) plus getting some steps in and letting the traffic die down a little
    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
    so long day at the office, and not nearly enough steps so I hope my final no steps day of the month, 22/27.  I am at home or work from home now until September so I should be able to get to 26/31 which will just do.

    Need to focus on money over the weekend, I think I am debt neutral now on CC3, in that my EF and balance would be enough to clear it, but actually doing so would leave me tight on the OD and I don't want to go back there.  So on the other hand if I clear it and then use CC3 if needed (its still at 0% purchase) and clear the balance in September that would be fine, but I want to stop using the card ASAP and whizzing backwards and forwards past £0 doesn't feel fine, 

    mmmm - options - its nice to have them but decisions are needed.  I did consider compromise, and pay half now and see where we are by the middle of the month, but in reality its binary - pay it all off or don't - if I do then September will be tight, if I don't then it's a delay of a month but what's a month after a decade !!.  I'll think about it, I would toss a coin, but I've put them all in my challenge pot. 

    So mentally I think I would prefer to clear it when I can just stop using the cards (although won't cut them up until I have re-established my EF) therefore I will probably leave it a month - its nice to be close but its not costing me to delay.  Having a long history  of 0% debt hasn't helped with urgency 
    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: 9,985 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Funny catching up in bulk as it shows how far you have come with your health. It's impressive.
    You are doing well with your money management too...
    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: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    23/28 - did a walk into town in the morning, then a walk to to a local coffee shop with OH, then to the gym and did a shorter faster run (42 minutes for 5k - which is definitely at the slow end of the spectrum, but at 4x slower than Olympic pace then there is plenty of room for improvement), so 16K steps plus I did a little row on the rowing machine as I'm going to try more muscly forms of exercise than striding along on the treadmill 

    got my and OH bike's fixed up using a charity scheme (and a voucher from some green group to save some of the cost) - they won't be ready for a few days, but they've done the estimate and it won't be too much for a refresh and clean up

    I have thought through the CC3 saga, and will definitely leave it at least another month, although will pay off all the spending I did on it last month (Car Service and some Household Items), so will do that shortly when I got all my spreadsheets worked through
    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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