We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Cutting it Fine - the challenge is on!
Comments
-
Good plan!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)2 -
Good luck with the plan SS. Health and fitness is going to have a much greater focus for me this year too.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living2 -
Good luck with you plan. Glad my post was helpful. My trainers have arrived - they are a bit snug - so still debating whether to keep them - but they are as pretty as they looked online!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Thanks for the encouragement debtfree, fortune and saving.
savingholmes, we were always told to go up at least half a size for running shoes, so bear that in mind when you are debating your trainers. I had plantar fasciitis a few years ago and I have to be careful not to get them too big as I need the support. Nice they are pretty though
Well, I've done the 10 minute stretch video online, and have been running so far. I also managed to read last night and got a reasonable night's sleep. Mr Shores was dispatched to Ikea to buy an extension for my desk - I bought quite a small desk last year, but this working from home malarkey is going on a bit longer than expected. Its a sort of cube shelf unit that fits nicely on the side of my desk and I feel much better having more room to spread out. The cancelled subs will more than pay for that "Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
I've just been reading everyone's achievements and its prompted me to have a think about my own, its such a lovely positive thing to do:
Managed to get a sideways move at work, and then a small payrise.
Mr Shores started a new job, also with a payrise and a company car
Converted an outbuilding into a lovely home office
Managed to buy some garden furniture at last - in time to enjoy the summer
Started making bread and haven't bought any shop-bought for months
Started making my own yoghurt
Have started running again
Had a slightly revamped hair cut and love it
Treated myself to new glasses
Did a current account switch and gained £125
Sold a few things on the bay of flea - about £400's worth
Survived working from home for a long time
Did a first aiders course
Ending the year 2lbs up on last year, but its only 2lb
Have cleared a lot of stuff out of my wardrobe
Made the decision to keep my car (decisions are hard for me and it was a good decision)
Attended lots of online courses and support groups/sessions
Bought new underwear
Overpaid £1k+ off the mortgage
Have an emergency fund
More to follow....
"Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3 -
I too had a small 60 x 100 desk. It's very nice to be on a bigger desk again. I'm sure you'll love it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
Great achievements SS - love the sound of the home office.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living2 -
Awesome achievements SS.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Thanks all, it was really nice just to read through that list again. Its been a long but productive year with a lot of change. It definitely feels good to celebrate achievements however small."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Fab achievements. Happy New YearAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards