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Semi Retirement and Beyond.

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  • amber03
    amber03 Posts: 1,360 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    60 years is fantastic, hope you all have a lovely day.xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Huge milestone for your parents.

    Sad about your brother 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • Onebrokelady
    Onebrokelady Posts: 7,851 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Yay I found your diary, I don't know how I missed it 🤷‍♀️ My hours are now 22.5 and it's so much better, I do three 8 hour shifts so no 12 hour shift anymore 🎉🎉🎉 I do moan about public transport but I am glad I don't own a car because I just couldn't afford it. I know my travel budget will be £52 a month every month no matter how many times I catch the bus with my travel pass, I do have to get the odd train for days out but can budget for that on top. Enjoy your new part time hours 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • doingitanyway
    doingitanyway Posts: 10,151 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Wow 60 years! That is some achievement. Congratulations to them.
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Sun_Addict
    Sun_Addict Posts: 24,217 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your parents enjoyed their big day despite it being tinged with sadness. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,121 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Onebrokelady said:
    Yay I found your diary, I don't know how I missed it 🤷‍♀️ My hours are now 22.5 and it's so much better, I do three 8 hour shifts so no 12 hour shift anymore 🎉🎉🎉 I do moan about public transport but I am glad I don't own a car because I just couldn't afford it. I know my travel budget will be £52 a month every month no matter how many times I catch the bus with my travel pass, I do have to get the odd train for days out but can budget for that on top. Enjoy your new part time hours 😊
    Thank you OBL, I am indeed enjoying my hours now. 
    Life is an adventure, never stop exploring.

  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,121 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Parents had a lovely weekend , the meal yesterday went very well , they have had some lovely thoughtful presents. The balloons and the cake went down well . The treasured card was lovely , even the envelope . 

    Life is an adventure, never stop exploring.

  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,121 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Good news today the taxman sent me £60.60 back. My monthly gas and electric bill was £52 and I am now £95.33 in credit. Haven't used much gas and it's the standing charge on electric that gets me. 
    Life is an adventure, never stop exploring.

  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hate standing charges too. I don't think it was justified the way they hiked them too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • Onebrokelady
    Onebrokelady Posts: 7,851 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Sunshine_girl2 said:
    Parents had a lovely weekend , the meal yesterday went very well , they have had some lovely thoughtful presents. The balloons and the cake went down well . The treasured card was lovely , even the envelope . 

    That's lovely and what an achievement, congrats to them both xx
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
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