We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Semi Retirement and Beyond.

1…6791112…78

Comments

  • amber03
    amber03 Posts: 1,405 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: 29,087 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 £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Onebrokelady
    Onebrokelady Posts: 7,940 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: 10,481 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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • Sun_Addict
    Sun_Addict Posts: 24,501 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: 3,149 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: 3,149 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: 3,149 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: 29,087 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 £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Onebrokelady
    Onebrokelady Posts: 7,940 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
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.4K Work, Benefits & Business
  • 601.2K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture