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2020++ - smiling and waving and looking so fine

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Comments

  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 7 December 2021 at 11:45PM
    It's because we come top of search engine for private diary. Exposure we don't want
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • alt80
    alt80 Posts: 4,685 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    @savingholmes oh wow thank you I would have never guessed that - tech/ search engines not something I have any knowledge of tbh but does make sense. 
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Also - but more for financial institutions and parking complaints, it can be that they can see the case you are building especially if you use exact amounts.  That is probably not a good idea.

    I had not thought about the mis-spellings protecting the diaries from random matches on random searches although personally I assume anything on the internet is publicly available so do not regard this diary as private although if my boss waved it in my face I might be a bit non-plussed.  Although I would probably use it as an excise for a pay rise 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • AntoMac
    AntoMac Posts: 3,181 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks for the explanation re the company name spellings Mark and Savingholmes. Definitely worth knowing.

    Yes Mark I had a great run with my debt clearing. Whilst the full lockdown was a horrible time it was great for me financially in that with being so limited on being able to spend I was able to pay off lots  of balance transfer debt. It’s down to around 5,700 now which is much more manageable, although imoving a lot more slowly now.
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • EssexHebridean
    EssexHebridean Posts: 25,896 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A lot of us are probably more identifiable than is ideal here too - I’ve never been overly concerned as I’m careful (plus my circumstances allow) me to be extremely selective about what detail I put in here. I’d always suggest for example that someone entering income in an SOA rounds down to remove odd pennies as that could be a factor in someone from their work identifying them. Personally I wouldn’t use anything that referred directly to my first or surnames either but then both are relatively unusual - and in truth my first name would be easily traceable elsewhere if someone was that bothered. It’s good to have a reminder to be REALLY mindful about what you write though I think - here and elsewhere on social media, because after all, that is what this place is! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done Antomac on the debt clearance.

    EH. If my boss came on she'd immediately recognise my diary. I am more concerned about family really but try to be mindful when I post but still work on the basis my identity could become public at some point. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • Without a song or a dance, what are we? :-) That's such a good point about kids - Lady Gaga and Taylor Swift wouldn't have been in my life without my daughter... 
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Fun night last night, OH and I went out for a coffee with our besties and that turned into a drink, that turned into a curry and a couple of beers.  Not very MSE but enormously good for the soul. 

    Was a little extravagant partly because I just met a difficult deadline at work and needed some release, and partly because my work had a good year and I will get a small bonus which makes my xmas CC3 plans real again.

    So when my paycheque hits, I am going to use that a bit of my EF to clear CC3 which has been hovering at the £3K mark for months now, then clear CC1 (£500) which I have been using for this months spending to protect OD and to get rewards.  That will leave me with just under £3K in my EF + enough in my current AC that I should not need to use either of the CCs again.

    The light at the end of the tunnel is approaching and its not a **** train. 
    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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