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Cutting it Fine - the challenge is on!
Comments
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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 £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
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 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
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 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
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 £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252 -
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 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
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 £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251
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