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Semi Retirement and Beyond.
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Just over 2 weeks since I was here last.I enjoyed a trip to the Lakes a week last Sunday , gorgeous weather and I never want to leave so I left about 10pm eventually .Work has been very busy , with people still ill with Covid and summer holidays being taken. I am truly loving 2 days , the best thing I did work wise.Over the weekend DS had to have a stay in hospital via A&E , 36 hours he was a patient . He is off now for a week .
My first pay day on half salary and I only need to contribute £150 from savings to balance , so please with that.I have a lot of child care in the 6 week holidays , hopefully I will survive it.I am managing the heat very well, went into work yesterday in aircon , came home about 2 and today WFH.My car 13 yrs old flew through it's mot , also had a service . Money from the car pot paid for that.Last pay month I spent £141 on fuel but had an under spend on groceries so I have transferred that to a holiday grocery pot. I budgeted £150 for fuel so have just let the £9 carry over.I had better go and do a little bit more work.Life is an adventure, never stop exploring.3 -
Great you can manage on lower pay. Good news about the car too.
Hope your DS is okAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Hope your DS is ok
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.2 -
Another who hopes your ds is ok 🤞January spends - £587.582
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Oh no to DS, I hope he’s ok now. Everything else sounding good.
I’m loving the heat but haven’t had to go to work in it, might’ve been a different story if I had.I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
DS is much better now thank you.Yesterday was spent with parents sorting out shopping, hospital appts etc.
Today I sent my pension paperwork back for December , so just await that all happening around Christmas time.My vitamin D level was low again after blood test so got a 3 month supply of them.Have done all my housework today.Tomorrow the DGD finish school at 1.30 , that's when the 6 week chaos begins .I need to sort out paying the Airbnb on my CC this weekend.Taking the two eldest DGD away for a few days in a week or so.Life is an adventure, never stop exploring.3 -
Hope the pension side of things goes smoothly.
Glad you have a mini-break to look forward to.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Are you having your DGCs a lot over the holidays? A break away will be nice for you and the DGDs.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Good times
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.1 -
Exciting times ahead 👍January spends - £587.581
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