Early Retirement Extreme Forums

Yep, planning a lot of holidays and maybe thinking about a migratory existence, UK in the Summer and somewhere warmer at other times of the year. I will be doing more music/recording stuff too. I will checkout your journal a bit more. I do like Cakewalk but I'm thinking of learning Ableton too. I ha...

Your target from nearly 6 years back was £403125. I just checked and inflation adjusted from 2018 to 2024, it turns into £498994 (impressive). So with inflation adjustment - nearly there! Thanks @guitarplayer, I get about the same result. My initial target was about £400k and £500k seems like the e...

End of March 2024 numbers. Pensions £45000 (same) £86763 (+4987) £84360 (+2463) £79549 (+1494) £57527 (+1776) total = £353199 (+10720) Savings/Assets £-2076 (-609) House £133000 (+1000) Mortgage £-22156 (+284) Car £8000 (0) Total £469967 (+11395) I had no income in March and actually had an extended...

End of February 2024 numbers. Pensions £45000 (same) £81776 (-562) £81897 (-343) £78055 (+1009) £55751 (+1662) total = £342479 (+1766) Savings/Assets £-1467 (+1887) House £132000 (-500) Mortgage £-22440 (+284) Car £8000 (0) Total £458572 (+3937) I retired 'again' at the end of February...

I decided to make a note of my January expenses. The simplistic approach is to split everything into essential expenses at the top, then discretionary or fun spending near the bottom. Recurrent fun items are fun things paid via direct-debit. I also put some aside into a savings account for future tr...

Just numbers, end of January 2024

Pensions
£45000 (same)
£82338 (-781)
£82240 (-822)
£77046 (-200)
£54089 (+3224)
total = £340713 (+1421)

Savings/Assets £-3354 (+1593)

House £132000 (-500)
Mortgage £-22724 (+286)
Car £8000 (0)

Total £454635 (+2800)

December, end of 2023. Pensions £45000 (same) £83119 (+259) £83063 (+3501) £77246 (+1813) £50865 (+3201) total = £339292 (+8774) Savings/Assets £-4947 (-413) House £132500 (-1500) Mortgage £-23010 (282) Car £8000 (0) Total £451836 (+7969) For the year I was up from £402743 to £451836, approx 12%

End of November 2023. Pensions £45000 (same) £82860 (+2432) £79562 (+7399) £75433 (+821) £47664 (+3196) total = £330519 (+13848) Savings/Assets £-5360 (-255) House £134000 (+1500) Mortgage £-23293 (285) Car £8000 (0) Total £443866 (+15378) Another change of timeline. Will be retiring again at the en...

End of October numbers, still working.

Pensions
£45000 (same)
£80428 (+1613)
£72163 (+378)
£74612 (-46)
£44468 (+3191)
total = £316671 (+5136)

Savings/Assets -£5105 (-1593)

House £132500 (-2500)
Mortgage £-23578 (282)
Car £8000 (-250)

Total £428488 (+1075)

I have a new retirement timeline. I'm getting quite well rewarded in work at the moment and I'm going to try and keep motivated for another year. I didn't want to retire before the fabled stock market crash but the market doesn't seem to have received the memo.

Just the numbers.

Pensions
(a) £45000 (same)
(b) £78815 (+409)
(c) £71785 (-396)
(d) £74658 (+484)
(e) £41277 (+5458)
total = £311534 (+5955)

Savings/Assets £-3512 (-2567)

House £135000 (same)
Mortgage £-23860 (+283)
Car £8250 (same

Total £427412 (+3671)

Fitness I have renewed my gym membership for a fixed period of time aim to make progress on aerobic fitness as well as better body composition. Music Is going well, I have played some on my songs at an 'open mike' and the went down very well. Mental Health I have a diagnose for low T and now I have...

Well; I went back to work in April. Fitness I haven't renewed my gym membership since I rejoined work and I haven't been feeling great. I've decided to not drink alcohol for a while - as of the last couple of weeks - and see if my overall feeling of health improves. I managed to keep the weight out ...

It became a new year and I was thinking, I probably don't need to robotically record my numbers each month. They are looking ok for my needs for a long while, so I should focus on other more tangible matters. Fitness I had gained some weight gradually without really noticing it and on New Year's day...

December numbers.

S&P 500 (3839) -5.9%

Pensions
a) £43525 (same)
b) £78560 (+1176)
c) £70606 (+1289)
d) £71728 (+206)
e) £23984 (+168)
Total = £288403 (+3439)

Savings/Assets £2985 (-1290)

House £129500 (+1000)
House Mort £-26395 (+279)
Car £8250 (-100)

Total £402743 (+3328)

November numbers.

S&P 500 (4080) +5.3%

Pensions
a) £43525 (same)
b) £76784 (+1188)
c) £69317 (+1324)
d) £71522 (+320)
e) £23816 (+2994)
Total = £284964 (+2994)

Savings/Assets £4275 (-650)

House £128500 (-3000)
House Mort £-26674 (+280)
Car £8350

Total £399415 (-376)

I stopped working in September and have been taking holidays, numbers are still good. End of October numbers. S&P 500 (3871) 8.0% Pensions a) £43525 (same) b) £75596 (+1025) c) £67993 (-221) d) £71202 (593) e) £23654 (+1597) Total = £281970 (+1597) Savings/Assets £4925 (-2092) House £131500 (+40...

just tracking September numbers - late.

S&P 500 (3585) -9.4%

Pensions
a) £43525 (same)
b) £74571 (+1411)
c) £68214 (+1221)
d) £70609 (-9)
e) £23454 (+1097)
Total = £280373 (+3720)

Savings/Assets £7017 (-2386)

House £127500 (+1000)
House Mort £-27232 (+278)
Car £8350

Total £396008 (+2600)

End of August numbers.

S&P 500 (3925) -5%

Pensions
a) £43525 (same)
b) £73160 (-618)
c) £66993 (-4187)
d) £70618 (+564)
e) £22357 (+3310 +2721 was contribution)
Total = £276653 (-901)

Savings/Assets £9403 (+523)

House £126500
House Mort £-27510 (+278)
Car £8350

Total £393396 (+2400)

End of July numbers.

S&P 500 (4130) +9%

Pensions
a) £43525 (same)
b) £73778 (-279)
c) £71180 (+1054)
d) £70024 (+901)
e) £19047 (+3259 +2721 was contribution)
Total = £277554 (+4935)

Savings/Assets £8880 (+803)

House £124000
House Mort £-27788 (+278)
Car £8350

Total £390996 (+9015)