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Semi Retirement and Beyond.

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  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,101 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    The nearly shop lifted bra has been returned 😃. I forgot how busy the big shopping centre can get on a Saturday and it’s early yet. I will be on my way home shortly . Succumbed to coffee in m@s but it was free with a voucher but the gf scone wasn’t . 
    I need tights now for the wedding something I rarely buy apart from black ones for the winter . 
    I have found a dolls knitting pattern and some wool I already had so hoping to start that soon . 

    Life is an adventure, never stop exploring.

  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Good luck with the knitting👍
    January spends - £587.58
  • doingitanyway
    doingitanyway Posts: 10,008 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Good to be sorted for the wedding, no last minute panicking for you.
    Hope the cold clears up.
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Eek to accidental shop lifting. Well done for going back!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,101 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    The extended childminding is finished now until May time. I still have the  cough 6 weeks in , but it is better in the day , it's night time that it's worse. 
    Eagerly awaiting , council tax, rent rise , water , broadband and mobile phone rises to see if my budget will withstand the increases . 
    I defrosted my freezer at the weekend so trying to meal plan around this which keeps food bill down a little bit. 
    I had a puncture last week outside my daughters , my tyre man came and rescued me at 7pm £50 . 
    Luckily the car fund was well funded . 
    Today I am off to meet my friend at lunchtime at the local RHS site for lunch and a walk round the gardens . She is a member now my 60th birthday gift to her , but it means I get in free as well. 
    Tomorrow off to meet another friend for a sauna, steam room etc session and then lunch. 
    Thursday is the boiler service . 
    Anyway best go and carry on working as I finish at 12pm today. 
    Life is an adventure, never stop exploring.

  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,101 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Just noticed my emails I have won £125 on PBS , that will go in the holiday account. 
    Life is an adventure, never stop exploring.

  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hooray to the PB win 👍
    January spends - £587.58
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,101 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    What a rip off the cafe at RHS was , £8 for a jacket potato , would rather starve . Enjoyed the walk round and the sun appeared . Succumbed to a coffee at the end expensive again but much needed . 
    Life is an adventure, never stop exploring.

  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,101 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Love the tree reflection.
    Life is an adventure, never stop exploring.

  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, £8 for a baked tattie!

    Woohoo for the PB win.
    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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