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2020++ - smiling and waving and looking so fine
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well I'm starting decluttering with the little "sampler" bottles - got some collection sets including one with a 10 year 15 year and 18 year old - so I'm gearing up to trying all three
I like Talisker. I'm also fond of Bruichladdich (aka the laddie) which has a hint of seaside but not too strong. Currently without Dalwhinnie and Bunnahabhain, which I would like to have, but can't justify adding more bottles to the lake.
Well done @Antomac like me the first day you don't make target is a bit depressing (although I only got to 28) but then in the wider context you are in a much better place, and if I helped you get there then that makes me feel good. In return I will try to draw inspiration from your perseverance when I kick off again next year.
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Enjoy your whisky declutteringAchieve 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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/261 -
ashamed to say it didn't happen - my OH needed some help decluttering the G&TsI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Ahh but what a worthy self-sacrifice that was! I bet MrEH wishes I'd stick to the gin and leave the whisky alone!
🎉 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 Calculatorshe/her3 -
Glad you had fun. Happy Christmas!!
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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/260 -
Happy Christmas everyone - all presents safely arrived and wrapped. No stockings this year now the youngest is well past teenage. Just about to do a little decluttering
and watch a Christmas movie then bed and a leisurely day tomorrow as we have had to downsize the guest list - which is a mixed blessing. will try and find a gap in the rain to go for a walk but not that optimistic
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Happy Christmas, Mark.
Hope tomorrow’s gathering is as stress free as it can be too.3 -
Hope you are having a lovely time - with the decluttering and all... Downsized guest list...???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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/261 -
Yes ended up with just three of us, after other families claims on our children - was very nice, but although people including me complain about big festive events (Covid not withstanding) I will relish the next one as it has been too low keyI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
That does sound low key. Restful. I had the big do yesterday at my parents and was glad of a rest day today.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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/261
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