julicorn's journey 3 - The House on the Hill

seventh88

I hear you on this, that makes a lot of sense and is very positive to hear. Well done on taking the days off steady too, it sounds like you've long been in need of just that unplanned down time to watch the world go by a little, and let your mind ease off the accellorator pedal. Great numbers this month, keep up the good work! 

julicorn

seventh88 said:

I hear you on this, that makes a lot of sense and is very positive to hear. Well done on taking the days off steady too, it sounds like you've long been in need of just that unplanned down time to watch the world go by a little, and let your mind ease off the accellorator pedal. Great numbers this month, keep up the good work! 

Thank you so much  
I think the one big thing I didn't expect as well is the positive impact it's had on work as well, I'm feeling much more productive and less stressed in those two days, which means they're not something I dread or worry about. They're giving a good anchor to my week as well. 
I've now offered for my employer to book me almost as a freelancer on the other days if things get busy again, I think that could work quite nicely. Working more days every now and then for extra cash is something I'd be happy to do, especially as it'd likely be on trickier / more interesting projects. 

seventh88

that sounds positive, as its giving you the autonomy and flexibility over when you work, rather than dreading going in/feeling trapped. brilliant work-life balance achievement!

julicorn

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End of November update:

Current figures:

Investment ISAs: £74,454.31

Mortgage: £213,005.57

% towards being mortgage neutral: 35.0%

Total retirement pot: £201,061.05

% of early retirement savings: 21.6%

End of December update:

Current figures:

Investment ISAs: £77,493.45

Mortgage: £212,517.37

% towards being mortgage neutral: 36.5%

Total retirement pot: £205,494.55

% of early retirement savings: 22.1%

End of January update. Also worth noting that the overall goal has increased with inflation to £949,500.00, so the percentage of early retirement savings is based on a different overall target. 

Current figures:

Investment ISAs: £84,246.03

Mortgage: £211,503.04

% towards being mortgage neutral: 39.8%

Total retirement pot: £217,487.16

% of early retirement savings: 22.9%


My book currently stands at around 14,000 words, for what it's worth

Stopping by for an end of Feb update with the figures only for now - struggling with a few things at the moment and trying to work out what I want to do about work mainly, so things might either get shaken up quite dramatically or not, who knows. Will post a proper update when I have the mental bandwidth. 

The stock market has not been doing great this month, let's put it like that, but we made some half decent contributions (to the ISA especially) which have at least made up for the reduction in value. 

Current figures:

Investment ISAs: £86,191.96

Mortgage: £211,010.18

% towards being mortgage neutral: 40.8%

Total retirement pot: £217,309.29

% of early retirement savings: 22.9%

I'll stop by for a more in depth update next few days, but here is one with just the figures. Investments have not been great as we probably all know, and we're officially no longer half-millionaires when it comes to our total net worth - I guess that means we can open another bottle of bubbly as and when we hit that milestone again!

Current figures are as follows:

Current figures:

Investment ISAs: £84,779.86

Mortgage: £210,515.79

% towards being mortgage neutral: 40.3%

Total retirement pot: £211,012.58

% of early retirement savings: 22.2%

My income will be much lower from April so I guess the heady days of the really high investments are over for the moment, although I will try and see what side hustles I can fire up or reignite. 

Stopping by for an end-of-April update! The stock market has further declined, so even with additional contributions it's been a step backwards rather than forwards. The part time work is going well so far though, so that's definitely a massive positive!

Current figures:

Investment ISAs: £83,417.55

Mortgage: £210,019.87

% towards being mortgage neutral: 39.7%

Total retirement pot: £205,050.93

% of early retirement savings: 21.7%

Time for an end-of-May update Things have definitely gone up this month which was nice to see. I also went to a Rebel Finance Group meet-up, which is broadly about early retirement, but people were so supportive about me cutting down my hours that it made me look at it in a whole new light (not taking a step back from early retirement, but rather taking some of it even earlier). 
Anyway, here are the figures:

Current figures:

Investment ISAs: £88,986.80

Mortgage: £209,522.41

% towards being mortgage neutral: 42.4%

Total retirement pot: £215,725.58

% of early retirement savings: 22.7%

I just noticed that the mortgage is now under £210k as well, that's a nice little milestone  
Oh, and we're half-millionaires again, so had some bubbly to celebrate that (again) the other week
I hope you're all doing well  

I know my updates are pretty much non existent right now, but I should at least give some numbers updates!

End of June:
Current figures:

Investment ISAs: £92,611.87

Mortgage: £209,023.41

% towards being mortgage neutral: 44.3%

Total retirement pot: £223,058.73
% of early retirement savings: 23.5%

My own retirement account has just gone above £100k again as well. 😊

My main next hurdle was going to be £225k, let's see when we get there. 🤞

Here I am with another numbers update Good market movements this month, so although we've contributed a little less, it's all going in the right direction at the moment. 

End of July:
Current figures:

Investment ISAs: £99,024.34
Mortgage: £208,522.86
% towards being mortgage neutral: 47.5%

Total retirement pot: £236,219.24
% of early retirement savings: 24.9%

We hit the £225k retirement savings milestone this month, which is quite exciting! The next milestone to aim for will be having 25% of our retirement savings goal. As you can see, we're not far off that at the moment, although we all know things can go up and down. 

In other news, I broke my ankle three weeks ago! So I've been a little trapped at home picking up old craft projects. At least the weather has been pretty variable, making me not quite as jealous of the people wandering around outside - and I'm getting a lot more mobile now again as well. We're off to a holiday in Cornwall beginning of September and I hope I'll be properly back on my feet again by then, fingers crossed.  

Jessy103

Wishing you a speedy recovery ❤️

julicorn

Jessy103 said:

Wishing you a speedy recovery ❤️

Thanks so much!

seventh88

congratulations on the recent milestones and i'm sorry to hear you've broken your ankle!! hope it gets fully better soon for you

julicorn

seventh88 said:

congratulations on the recent milestones and i'm sorry to hear you've broken your ankle!! hope it gets fully better soon for you

Thanks so much! It's getting a bit better every day. I'm allowed to walk around without my moon boot, which makes a massive difference.

julicorn

In other news, I logged into Prolific for the first time in months on Friday, and it's been absolutely on fire! Just between Friday and today, I made around £80 - and I was barely even at home today. I really need to do more of that, can't believe I've taken the foot off the gas that much. Last time I logged on before then was early February!

South_coast

Wow, that's great work on Prolific 😯!