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Semi Retirement and Beyond.
Comments
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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 £140.001
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Huge milestone for your parents.
Sad about your brotherAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/260 -
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 = £6,756 Owed = £10,8742
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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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
Hope your parents enjoyed their big day despite it being tinged with sadness.I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪1
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Thank you OBL, I am indeed enjoying my hours now.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 😊Life is an adventure, never stop exploring.1 -
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.3 -
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.2
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I hate standing charges too. I don't think it was justified the way they hiked them tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/260 -
That's lovely and what an achievement, congrats to them both xxSunshine_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 .Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,756 Owed = £10,8741
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