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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
    amber03 said:
    We’re taking our GK,s away next week for five days to the coast. Looking forward to it just hoping the weather stays like this. Will definitely need a relaxing weekend when we get back. School hols have gone over really quick and we have done well with the weather.
    Have a lovely time with your GKs making memories . Fingers crossed for good weather . 
    Life is an adventure, never stop exploring.

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with making your money stretch.
    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
  • milann
    milann Posts: 11,403 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Enjoy your peaceful week 👍
    January spends - £587.58
  • beanielou
    beanielou Posts: 95,607 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So glad that you have had a great time with the DGK's  :)
    Enjoy your break  :)
    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.
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,086 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Back to work came round fast but it's only one day. Looking forward to seeing the fells and lakes on Thursday, my happy place. 
    Have been out with my friend again today walking in the big park. It was a tad busy by the time we were leaving . 
    I start another mad session of child minding my youngest DGS next week and his other grandma is away on holiday for a month. I volunteered to take over her times . 
    After all that's what family is for and I love being with the grandchildren and it's not forever. 
    Work will be busy tomorrow it always is after a bank holiday . I have done very well  ,  I have spent £2 all weekend . 
    Life is an adventure, never stop exploring.

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on child minding and the low spends. Time in the lakes sounds fun 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 29/7/25
  • milann
    milann Posts: 11,403 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Enjoy having the little one 👍
    January spends - £587.58
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your time in the Lakes - such a stunning part of the country! 
    🎉 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
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,086 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    I am in my happy place , the weather is lovely and warm . Have done 15000 steps today so far hoping to get to 20000. Still fairly busy as school holidays not over yet . Had a full English breakfast so no lunch required. Sharing a gf fish and chips later with my friend . 
    Life is an adventure, never stop exploring.

  • Sun_Addict
    Sun_Addict Posts: 24,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a fabulous time 😎
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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