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Semi Retirement and Beyond.
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Glad you enjoyed the tour - I'm really looking forward to ours in a few weeks time now!
Eek to the cards though - mine live in my purse although it's fairly unusual for that to even leave the house these days as mostly I find using the phone for payments far more secure and easy. Glad you managed to get the loss reported quickly before the person that tried to use the one got anything from it.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Thank you for all your comments .
Not sure where time goes at the moment.My time is filled with work, grandchildren and ageing parents , plus time with friends.Last week I went to a new local Indian restaurant, it was very nice and definitely will return again in the near future.My Christmas shopping is nearly finished just DD I am waiting on .
My DGD is 6 tomorrow and was very excited tonight when I took her presents round. They are hopefully going to the Illuminations tomorrow after school but if the weather is awful will go over the weekend .My dad has been in A@E again , he fell getting on to the bus and has a very bad cut on his shin bone that can't be stitched . Lucky for him there was an ambulance in the supermarket car park next to the bus stop and they ferried him to hospital. Five hours he was there and is now recovering at home . I have been there working on Tuesday and today done their shopping and some housework. The district nurse came and is coming twice a week to redress his wound.Next Wednesday I am taking my mum to see The Marigold Hotel theatre version at a local theatre .On Saturday next I am flying off to New York for my 60th birthday trip. Looking forward to it immensely, I haven't been for 13 yrs and this will be my 10th trip.Money is still flying out at a fast rate but all budgeted it for.Hoping to get out for a walk tomorrow with my friend who lost her father in law at weekend , just to see how she and the family are.Think that's it for now .Life is an adventure, never stop exploring.4 -
Enjoy your tripI 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 -
Sorry to hear about your dad’s fall, hope the cut heals quickly. Wow 10 times to New York 😮 My mum went one year for New Year and absolutely loved it - her mom was a native New Yorker so she’d always wanted to go.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Sorry to hear about your dad. Hopefully he’ll heal quickly.
Bet you can’t wait to go to NY. I’m excited for you 😃👍January spends - £587.581 -
Hope your dad recovers quickly.
Enjoy your birthday. Sounds a lovely trip!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 29/7/250 -
Oh your poor Dad - sorry to hear he's been in the wars again and hoping the wound heals soon.
Your trip really does sound very exciting!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
I have logged off for my holiday yay. The next two days are just so busy. Tying ends up for Christmas presents for my parents to give to their grandchildren and great grandchildren. Doing their shopping, banking and helping mum with cleaning. I have my DGS tomorrow morning as well.In the afternoon taking mum to see the theatre production of The Marigold Hotel , looking forward to it.I have had a big issue with a credit card app today and it was a headache but it is sorted now thanks to a very nice lady at the customer services .Tonight I am going to enjoy a chat with a friend and make a big list of my next 2 days obligations .Life is an adventure, never stop exploring.4
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All sounding good.
Tech and finance issues...double yuk. Well done for getting it sorted.
Enjoy your holidayIf 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) 25/0720252 -
Enjoy your chat with your friend 👍It sounds as if you’ve got a few busy days ahead. Enjoy them and have a fantastic holiday.January spends - £587.582
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