Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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The Senior Wonder Years!
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Happy Birthday - the future is yours to enjoy
Do what makes you happy - you are accountable to no one (apart from legally of course) and have true freedoms of choice. Happy Birthday
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Happy Birthday and State Pension Day!1
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Hope you've had a lovely day.1
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[Deleted User] said:I have also decided no more 'what ifs' or comparing myself with others ! Time to relax and appreciate!
Thank you all for your best wishes!
Happy birthday Baron_Dale.
I've read a lot of your posts, and like myself, I'm not sure that you always appreciate the value of an index-linked DB pension. Having that as a cast-iron guarantee is something that a lot of people in the pension forum, with a huge amount of cash invested, would happily swap for.
In many comparisons you would be ahead.
Having worked in care all my life, a lot of the comparisons I make are with people who are struggling to put food on the table, or pay everyday bills.
Anyway - not to be so sombre - enjoy and appreciate your blessings....2 -
Happy Birthday Baron_Dale, and congratulations!1
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Well another expected birthday present today! I was given a date for some corrective hand surgery for the beginning of next month. I was very pleasantly surprised, as my first hospital appointment was only two weeks ago. I have the pre-op assessment this Friday.
Luckily August is quite a clear month for me anyway. I could be flexible with treatment dates. I think this may have helped as others may have cancelled due to booked holidays etc…..
I will not be able to drive or do much for at least two weeks after the operation, but should be back to normal by the end of August. There will also be some physio and daily exercises to do. Fortunately, I am quite disciplined when it comes to doing exercises and following a recovery programme.
I will make sure the house and garden are both spick and span at the end of this month.
Financially it means I will spend very little personally, so that could be a bonus!I received over £200 of vouchers for my birthday. The Boots ones will be used to top up toiletries until the end of the year. The other vouchers will be go towards clothes and shoes!
The family meal on Monday was very enjoyable.
Now for the daily exercises. I am also going to watch the State Opening of Parliament which as a Historian I love to see.Later I have to visit my sister’s dog to give him a comfort breaks lol.The annual boiler and central heating check is also booked for this afternoon.
Best wishes.4 -
Happy belated birthday and state pension day Baron_Dale.
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Wishing you all the best for your operation and for a speedy recovery @[Deleted User]MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Hello Baron
Congratulations on getting to the necessary age to claim your SP and good luck with your procedure.
Since I last posted I have taken a sabbatical which work offered to prevent me retiring, and I agreed as there were some financial advantages and I have regarded it as a trial run.
I have enjoyed the 4 months so far 4 to go before a final 6 months working. I have filled my time with a little gardening and household chores, but mainly helping with local elections then a holiday to my brother in a different time zone and then helping with the general election (I am quite active campaigner and enjoyed having more time to do so - whether other people enjoyed this is undetermined, but I was happy with the national results). So since the 4th I have been recovering and resting and watching football, tennis and the Tour de France, of which I am an addict especially to the mountain stages.
I am trying to learn to be a bit more ordered in my daily routine which was pretty random owing to the nature of my job and whilst I am far from OCD (what's the opposite??) I take reassurance from the value you place on this and will be trying to emulate.
Anyway that's enough from me - but like yourself will be trying to be more active on these more practical boards and less on the pension boards now my decisions and investments have all been made.
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
@mark55man many thanks for your informative and interesting post. What's the pension income looking like when you retire?0
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