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Midlife Musings and Measurable Goals

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch Beanie to needing your hair done next week. I'm not due until mid April or later
    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
  • doingitanyway
    doingitanyway Posts: 9,962 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    If you aren't going to use your car again, best to get rid when you can. As for beauty routines , doing my own eyebrows, upper lip. Painting nails , as for the hair well I will have grey roots by this time next week , but not worrying about it. 

    Enjoy your weekend 
    mark88man said:
    I agree with sunshine_girl if the car isn't being used sell it ASAP.  It will just start getting damp, things will stick, batteries will flatten etc etc

    I have sold a few of my and DC kids on ebay.  Probably not the most money you could get but a bit safer than private sales. Depends on the car really.  Garages won't take a car in Part Exchange if you are not buying.

    Alternatively I have heard that we buy any car dot com are fair if not generous, but only if the car is in very good condition - if not they will take hundreds off for stuff that an ebayer wouldn't notice

    Your thread is so lively at the moment - I can hardly keep up, but hoping you are keeping well and safe 
    Thank you. Yes I agree with you both and as soon as this virus is over I will get rid of it. 
    Sunshine_girl2 well done with your beauty measures :)
    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
  • doingitanyway
    doingitanyway Posts: 9,962 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Well beauty treatments - all on hold now - my nail extensions are going to look very odd soon!  I've bought some good nail oil and cuticle cream ready for the weird nails that will appear from underneath. Also the nail polish and foot file are ready for when the last pedicure wears out!  Don't even go there re hair!  I was due cut and highlights week after next!  Not sure what I'm going to do here!  

    Re my work from home routine - get up at 8am, shower, breakfast, fire up the laptop at 9am and work till 12 with a couple of coffee breaks so I can get up and stretch. Then go for a walk for c.40 mins and have quick lunch. Work till 5pm with coffee breaks then knock off!😁
    I am beginning to look like the cookie monster...Off to find my foot file ;)
    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
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