We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!

The Next Phase

Options
1…6263656768…81

Comments

  • Sun_Addict
    Sun_Addict Posts: 23,981 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Agree with Beanie that’s a great idea. I have another 5 years to go until I can retire thanks to the retirement age going up 😩
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • milann
    milann Posts: 11,361 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Don’t get me started on the change in retirement age 🤬🤬🤬🤬
    I'm pleased you got to speak to your boss and discuss your options. It sounds like a good idea for you.
    Also pleased you are finally getting over your bug……hope it’s bugg**ed off 👍
    January spends - £587.58
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,068 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Have been to the posh garden centre today with my mum as DD is on leave so no DGS2 today . I am picking them up from school later and DGD is staying tonight . The cakes are lovely in the cafe and the coffee is good as well . 
    Lovely weather nice and sunny , just popping out for a walk before the school run . 
    Life is an adventure, never stop exploring.

  • Sun_Addict
    Sun_Addict Posts: 23,981 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lucky you with the sunshine today, it's really foggy here.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You've go to do what's right for you with regard to your pension and working less hours Sunshine.

    I'll have to work for seven years longer than my mum did and I don't suppose I'll live any longer, but such is life.
    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 MONTHS
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That flexible hours reduction sounds like a great idea - a good way to see how you get on without too much risk! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    EssexHebridean said:
    That flexible hours reduction sounds like a great idea - a good way to see how you get on without too much risk! 
    I agree it sounds lovely. The kind of thing I may do later 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,068 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 15 January 2022 at 5:29PM
    I am in demand for babysitting tonight 😂. It's not often DD and DH go out so I don't mind . Took DGD to her drama class this morning after she stayed for the night , she is no trouble and a good sleeper. 
    Tomorrow is shopping with my dad , then some household jobs and then it will be weekend over again. 
    Today has been a spend day , beauticians and car washed and hoovered . 
    Life is an adventure, never stop exploring.

  • amber03
    amber03 Posts: 1,354 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    I had my GK’s overnight last night. Youngest took some time to go to sleep, think cos it was because we had been to burgerk**g and then had a midnight feast (at 8.00 o’clock). Now kiddo’s have gone home, so chippy for tea and an early night is on the cards. Also not felt like going out so a no spend day for me (DH paying for tea).xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • milann
    milann Posts: 11,361 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Trip to the garden centre sounded lovely. The cakes are nice there 😋 Good to hear you sounding much better. Bet the gks had a great time with you 👍
    January spends - £587.58
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture