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Learning to walk before I run
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This is what Wiki says.. (slow day at work 😂): “ Middle age is the period of age beyond young adulthood but before the onset of old age. The exact range is disputed, but the general consensus has placed middle age as the ages of 40s (more specifically from about 45) to 60s (to about 64”2025 decluttering: 2,369🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅
2025 use up challenge: 208🥉🥈🥇💎
Mini kitchen challenge 43/50
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 I 🥉12 🥈26 🥇52 💎100 🏆2506 -
Says me, who is only slightly older than Ed 😳!
IMHO, I'd say it was 50's-60's (although when I was younger, I obviously would probably have said 35 🤣!)Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!9 -
I think middle age begins about 60 & old age when your body or mind starts breaking down. I'm going back to middle age as soon as my hip gets fixed, I am after all only 76. Age is just a state of mind or just a number.
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I will come back to this middle aged chat tomorrow, as I think it throws up some interesting semantic distinctions
- £4 from YLive today
- £2.25 from Prolific
- £0.75 from YG
Groceries bought, coding and an hour of overtime still to go.6 -
My YouGov stats are telling me I had a 71% response rate in 2022 - which is interesting, as I don't think I've missed a single invite and they don't screen you out 🤔🤷♀️? Apparently that puts me in the top 17%Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!7 -
I've boycotted you gov since I discovered that one of the revolting tories had their grubby fingers in it.6
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@Alchemilla - would that be Nadim Zahawi? I think I'd run out of companies to do business with if I boycotted every one that had a Tory connection in this country
Still, I admire the strength of your convictions
Coding and overtime completed last night, I didn't finish until nearly 10. Mrs E doesn't particularly like the overtime as it places a little more pressure on her to do housework etc. It is, however, just about the most straightforward way for me to earn extra money and pays £24.50-£32.50 an hour depending on when it falls during my work schedule. It is definitely helping with the bills - the cumulative effect of my new pay rate and overtime will be over £300 (net) in my next wage. The fact that our energy bills will double? triple? from April and that we need to find an extra £6,000 for childcare costs over the next 31 months is definitely focusing minds... Anyway, it's the only time I've been offered paid overtime in roughly 13 years of public sector work, so I am determined to make hay while the sun shines!- £64.78 paid off CC (£32 TCB became payable)
- £0.5 from YG
- Hoping to come back later and report a £40 FB sale of our side sleeper cot if the guy actually turns up this time
It's ******* it down with rain here and I have chores to do - hope everyone else has a more enjoyable day and more clement weather. I'm hoping to get some overtime in.7 - £64.78 paid off CC (£32 TCB became payable)
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Good luck with the OT and coding.
I think you are doing the right thing putting spare £ into your SIPP. Although interest rates are scary right now they could be very different in a few years time. If you clear your CC which you are planning to - you'll have extra £ available to send to it. Have some savings in place too and you should be fine.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £175.8K Equity 32.38%
2) £4.3K Net savings after CCs 13/5/25
3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K updated 16/56 -
edinburgher said:@Alchemilla - would that be Nadim Zahawi? I think I'd run out of companies to do business with if I boycotted every one that had a Tory connection in this country
Still, I admire the strength of your convictions
If you're being offered OT for the short term Ed, then definitely make hay while the sun shines! (Entirely metaphorically, of course, given your description of the weather!)Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway6 -
@savingholmes - I am terrible at saving for its own sake - absolutely the next thing to sort out once we pay off the rest of the CC!@themadvix - I also remembered that the number of spare hours that I have will go down as of mid-March when Mrs E returns to work, another reason in favour of haymaking.Side sleeper cot has been collected and we gave away a free bouncy chair that was heading tipwards shortly as DD2 has grown out of it already
The chap tried to offer us something for it but it was 7 years old, a gift when we got it and we genuinely just wanted a wee bit of floor space back. He seemed grateful for the freebie and we got to do one tiny thing for the environment. £40 paid off CC.
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