The Next Phase

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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.
Debt free April 26th 2021
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Settles in.
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 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.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
Starting afresh.
You can do anything if you put your mind to it. x
🌊 A smooth sea never made a skilled sailor 🌊
2023 challenges - (1) £8k savings challenge = £2k (2) 2 stone 3lb weight reduction = 12lb
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1
Have subscribed!😀
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”
take care and hope you had a lovely morning in work xx
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.....
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..
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 MONTHS