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Semi Retirement and Beyond.

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  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,096 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Onebrokelady said:
    Glad you had a good time In New York. My daughter is taking me away for my 60th next year and I have picked Rome, I would like to visit NY but I think it might be too hectic for me nowadays and I also wanted to go somewhere warm 😀
    You will love Rome , but that gets hectic as well. 
    Life is an adventure, never stop exploring.

  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,096 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Had a very relaxing day today, stayed in my pyjamas . Have done my ironing , some batch cooking . 
    Written out Christmas cards for the neighbours, watched a Christmas film. 
    I am going to tidy the kitchen , get a shower and clean pjs on . 
    Love this kind of day every now and then. 
    Life is an adventure, never stop exploring.

  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Yes - we all need that sort of day now and again - lovely!💕
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • beanielou
    beanielou Posts: 95,648 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What a lovely day to have  :)
    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.
  • Onebrokelady
    Onebrokelady Posts: 7,800 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Sunshine_girl2 said:
    Onebrokelady said:
    Glad you had a good time In New York. My daughter is taking me away for my 60th next year and I have picked Rome, I would like to visit NY but I think it might be too hectic for me nowadays and I also wanted to go somewhere warm 😀
    You will love Rome , but that gets hectic as well. 
    I thought it would but I think I will enjoy it more 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • milann
    milann Posts: 11,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    PJ day sounds brilliant after the hectic days you have.
    Not long until the birthday now…..exciting 👍
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to relax 
    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
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,096 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Two days at work done , well nearly . 
    Had my smart meter for gas fitted today , very nice man fitted it . Just need to wait for my energy supplier to pick its readings up and then I will have more idea on my energy usage. 
    I got confirmation today of my lump sum payment and first pension amount going in on my birthday. 
    Then I need to do lots of financial overhaul and set a new budget for myself on my new  income . 
    Tomorrow is shopping day , still doing mum and dads as well . Dads leg is slowly starting to heal it's a long job. At lunchtime I am meeting my boss and my counterparts for a Christmas lunch, paid for by my boss .That's about it for today. 
    Life is an adventure, never stop exploring.

  • milann
    milann Posts: 11,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Enjoy lunch @ your bosses expense 👍
    January spends - £587.58
  • beanielou
    beanielou Posts: 95,648 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your lunch.
    Good news on the lump sum & pension.
    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.
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