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Living Large, on a Small Income, by the Sea.

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Comments

  • Tresinia511
    Tresinia511 Posts: 197 Forumite
    100 Posts
    There are in nature neither rewards nor punishments — there are consequences - famous quote and so true
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,451 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Apart from the life admin phone call those sound like lovely plans dia 😊
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Sun_Addict
    Sun_Addict Posts: 24,099 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’ve been learning Spanish with DL for 5 years and still haven’t got to the end of the course and I practice every day 🤣 However it has been useful on holiday although a lot of it I doubt I’ll ever talk about in a month of Sundays - for instance the rights of indigenous women 🤔🤣 I’m thinking about going to proper classes when I retire. There’s a great podcast called Coffee Break Spanish that you might find useful as it’s based on normal conversation. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to hear about your back. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your back improves. The sun might help - and failing that an electric throw for heat or a tens machine for triggering endorphins.

    Love the art gallery quote. Simple yet profound as you say.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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