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The Next Phase
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Sunshine_girl2
Posts: 3,064 Forumite

I became debt free a week ago , so have decided to start a new diary to cover my journey to working part time when I am 60 in 19 months . Retirement completely will depend on certain factors , so for now I am aiming to be doing 2 days a week starting jan 2023. I want to try and save as much as I can in the next 19 months to have a little bit of rainy day money. It is very likely that I will be paying rent all through my retirement so anything I can save now will help. I want to carry on with all my MSE things that I have learnt over the last few years and try and be frugal , which will hopefully help me in my retirement. Let's see how I do with that idea.
Life is an adventure, never stop exploring.
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Happy shiny new diary
Settles in.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
Happy New Diary xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x4 -
How lovely, good luck with your saving ⭐️Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p14 -
All tall the best with your new diary and your saving goals!👍
Have subscribed!😀Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
It's my morning in work which I really look forward to , I have done a workout and. Yougov survey, creeping up now towards 4000 points maybe I will get the £50 payout this year.My gym membership is now cancelled from the end of May a saving of £42 going forward , I intend to carry on with home exercise and walking .There is a Zumba class starting up again at my local church which I may try as my coordination definitely needs working on.Off to get ready for work .Life is an adventure, never stop exploring.5
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Have subscribed 😁 I think a lot of people will be staying with home workouts.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Happy new diary SSG2 😊. I am 9 years younger than you and will follow this journey if that's ok? I am trying to sort my pensions so I can work 2 days a week from about the age of 62... well that's my plan! In some ways renting is easier - if you have a good landlord you should never have to worry sorting out any maintenance. My house is 50 years olod and the neighbours are all starting to get new roofs - something like that is not on my radar at all!
take care and hope you had a lovely morning in work xx3 -
Lovely to 'see' you and looking forward to reading your adventures running up to working part time.3
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Happy new diary.Your plans sound good. An aim to go part time will ease you gradually before you finish working completely.
There will certainly be a big void when Debenhams goes from the big city. I wonder what’ll happen to the building. I’ve visited that shop all my life 😥 I think this lockdown is the longest period without visiting there.....January spends - £587.583 -
I've subscribed
. It's fantastic that you're debt free now and I'll enjoy reading the next part of your journey
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I will also miss Debenhams as I like their kitchenware department and it's good having so much variety under one roof. I think ours is still open (for now). A lot of people will miss it I think and you wonder what will happen to the empty premises..Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS2
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