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  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes - I'm not sure I'd find that as beneficial. I could do a version of that if I wanted - but TBH too busy right now. I tend to take time back when it is slacker and let workload dictate my hours as it is a bit swings and roundabouts my job. Right now it's intense.
    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
  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes - I'm not sure I'd find that as beneficial. I could do a version of that if I wanted - but TBH too busy right now. I tend to take time back when it is slacker and let workload dictate my hours as it is a bit swings and roundabouts my job. Right now it's intense.
    I do similar, I do two very long days, and two days of more normal length.  When I'm really busy I can increase the hours on the normal days, and when I'm quieter, I may leave a bit earlier.  It can be very challenging, and I know a lot wouldn't like it, but it works for me and it makes the week go very quickly.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £8

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £42
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • badmemory
    badmemory Posts: 10,058 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂

    Housework like all other work expands to fill the time available to do it.
  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂
    I try and get as much done as I can on other days so it doesn't impact on my Fridays 😁

    badmemory said:
    I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂

    Housework like all other work expands to fill the time available to do it.
    It certainly can do!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've enjoyed my day today, it was nice being alone again!

    I went into town this morning to the library, and also may have bought myself a few tops - so much for frugal September!  In my defence, they are to replace some which are quite worn now and looking a bit tatty.  I've gone down a size too, not because I think I've necessarily lost inches, but some of my tops were feeling a bit tent like.  Time to have another look through my clothes now, and have a good clear out.

    I did a bit of housework when I got home, and then sat with my book for a bit before going to get the kids.  Little miss has been swimming, and it was so hot and humid in the viewing gallery I felt quite sick.  Thank goodness for the aircon in the car.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Have a lovely weekend after your first week back at work. 
    Life is an adventure, never stop exploring.

  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a lovely weekend after your first week back at work. 
    Thank you :)  Hope you have a nice weekend as well.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £3

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £45
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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