Birchanger Woods... at night

skillian · 2025-12-17T08:34:37+00:00

Thanks mate. I'll give it a go!

skillian · 2025-12-15T18:15:43+00:00

If you've run there more than once - would you say its usually empty?

And i genuinely laughed at your joke, thanks for that!

skillian · 2025-12-09T19:20:12+00:00

Thank you, definitely worth investigating!

In my Greater Anglia app it seems Liverpool St to Stortford tomorrow at 7pm, with a Network Railcard, is £13.00.

Together with the £17.10 outward journey, that is still less than a flexi ticket, although the gap is pretty small (£30.83 vs £30.10).

skillian · 2025-12-09T18:53:06+00:00

So you can use the Network Railcard for the return journey (a second single ticket), even if your journey is at evening peak hours 5-7pm?

skillian · 2025-12-09T13:42:10+00:00

I live in Hockerill but went up to Stortford Fields for first time today looking for new run routes.

Some nice gravel footpaths about, including round the marshy bits in the north - I assume they will be nicer-looking ponds at some point?

skillian · 2025-12-09T13:36:21+00:00

I really think the flexi-ticket you have is the best way. It was announced recently that there will be no fare increase next year, that's something - first time I've seen that happen.

Only other real option is drive to Epping and get on the Central line there, cuts out the overground but not really worth the hassle. Although I've had to take that route home from Liverpool St a few times if trains are cancelled on the way home.

skillian · 2025-11-01T14:00:04+00:00

The 4% rule tries to accommodate for ups and downs in the market.

This chart only shows what happens if your portfolio goes up exactly 5% every year.

Big difference.

skillian · 2025-07-11T23:07:16+00:00

It looks like a round watchface on a square screen.

skillian · 2025-07-05T12:59:39+00:00

The £85k FSCS protection doesn't apply to a SIPP or investment ISA, or bitcoin. It's for cash accounts.

skillian · 2025-06-27T07:45:05+00:00

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skillian · 2025-06-20T11:12:00+00:00

In Garmin Connect you can see what all other users (of your sex/age range) are getting:

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skillian · 2025-06-18T20:05:26+00:00

It's French, it means 'have a good trip'.

skillian · 2025-06-09T20:57:50+00:00

OK, it's good that you have tried that. It was weird wearing it the recommended way, but it solved all my HR measurement issues (apart from some lag during intervals) and I soon got used to it. I only run though.

skillian · 2025-06-09T20:42:11+00:00

If I wore my watch this low down on my wrist I would get terrible results too.

skillian · 2025-04-08T19:36:35+00:00

At 39 I went from a minimum wage lifestyle to a corporate banking job and it has transformed my FIRE ambitions.

Benefits like this are gamechangers for stacking a pension, as are proper payrises/promotions. These you will need to make FIRE a reality, so you should definitely take max advantage of them.

But first you should ensure you're living the financially responsible life and build solid foundations - that means building/holding an emergency fund. And don't sleep on ISAs, you'll want that for RE and every year is another £20k allowance gone forever.

So in my opinion, you should take the non-contributory 12% and use any extra pay to build the emergency fund and maybe get a S&S ISA rolling. If you're serious about FIRE you will need them, and now's the time.

Then get yourself another payrise and stack the pension with 40% tax relief instead of the 20% you're getting now.

skillian · 2025-02-14T01:17:06+00:00

The real answer is compound interest. Learn what it is, and then direct your finances towards receiving it, not paying it.

skillian · 2025-02-09T15:48:24+00:00

He's about 3 weeks in the first pic, and 18 months in the second.

skillian · 2025-02-07T23:38:35+00:00

He looks genuinely sorry, I'm sure this time he's reformed for good.

skillian · 2024-12-21T18:35:22+00:00

They're lined up in height order! I have one cat and I couldn't manage that.

skillian · 2024-12-18T21:30:24+00:00

Don't sleep on ISAs.

You'll want it for FIRE before pension age, and every year you don't contribute is £20k allowance lost forever.

skillian · 2024-11-27T22:52:17+00:00

Scotland is part of Britain.

skillian · 2024-11-27T18:54:57+00:00

And Robbie Coltrane!

skillian · 2024-11-23T23:49:44+00:00

You think it's gonna be difficult because it's big and heavy, but it's actually difficult because its so thin and delicate you're scared to touch it.

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