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Semi Retirement and Beyond.

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  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,086 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Survived another day on the school holiday childminding merry go round. Tomorrow I am looking after them at home , I don't have a garden and we can have some shade with the paddling pool in. I am sure I will get soaked tomorrow as DGS wants a water fight . Early night for me if I can sleep. 

    Life is an adventure, never stop exploring.

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are enjoying your time with grandkids. Glad the little one is on the mend.
    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 29/7/25
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm glad you enjoyed your holiday and time with the DGC, it sounds like you made some lovely memories  😊. It's also good that you're enjoying being part time and I bet you feel more chilled now.
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I hope you survived the water fight!😁
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Glad part time is working so well for you.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,086 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    I have had a fabulous weekend been nowhere well just a walk and done not much. 

    When I got home on Friday after having the DGC my windscreen had a crack in it, definitely weather related . It's being replaced on Tuesday , but if it's stormy it won't get done as they are doing it at home. 
    I am getting a lift to and from work tomorrow, plus DS is taking us to the BBC for our question of sport filming. 
    No money spent either. Feel ready for the week ahead . 

    Life is an adventure, never stop exploring.

  • milann
    milann Posts: 11,403 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Exciting week….enjoy QOS ⚽️⛹️🏋🏻‍♂️🎾
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy QOS

    Bad luck on the windscreen.
    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 29/7/25
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Must be a week for windscreen issues then although mine was more idiot related than weather related! 

    Sounds like you're having a fantastic time looking after the DGCs these holidays too - how wonderful that your change in working hours has meant you've been able to spend so much time with them! 
    🎉 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
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sorry to hear about the windscreen - what a shame. 
    I hope you enjoyed the filming yesterday. 👍
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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