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Getting the balance right
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Wow! Between the views and the actual kayaking, plus the agreement from Mr El on budgetting, that's one amazing holiday you're having, El, I'm really pleased for you.2023: the year I get to buy a car3
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Thanks KC it's been just what we needed tbh1
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Rest is worthwhile tooAchieve 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 29/7/251 -
Today we did a sculpture trail, a gentle walk to keep the legs moving but to not exhaust us, were home tomorrow, and not ready yet to go home.
The themes behind these sculptures are amazing, such depth to the tales they weave and thoughts they provoke. I love art in all its forms, whether written, sung, painted, carved it does not matter, creativity is so important in our lives and something that should be encouraged and protected IMO
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Weve stuck to our holiday money plan, we will spend nearly £290by the time were done but had budgeted £300 so that's not too bad at all.
Filled up with diesel ( different budget) so that we have enough to get home tomorrow but other than that no other spends planned.
Have spent a wee bit on VLS 80% today and will do so again next week when I get paid.
Anyone have any VLS ? are you still happy buying into it ?4 -
I moved to one of their Target Retirement funds @elantan - saves me having to rebalance to less equities as I get older 👍3
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El, those are very special photos, it's obviously a very special place.2023: the year I get to buy a car2
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Thanks Ed, I had looked at that one before, may start a wee purchase to keep things in a more even keel just now, I liked how it is tailored to the year you plan on goingedinburgher said:I moved to one of their Target Retirement funds @elantan - saves me having to rebalance to less equities as I get older 👍2 -
KC it really is special , the artist was Frank Bruce, the meaning and story behind the sculptures was very through provoking for me, he created them with a plan to let them decay naturally, when we went a lot of them were in various states of decay, which added to the poignancy imoKarmacat said:El, those are very special photos, it's obviously a very special place.2 -
Looks fantastic.
Well done on budget tooAchieve 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 29/7/252
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