I've funded this 6 month trip (with 2 week break in the middle) transferring monies via Wise when Sterling waa bouncing around 45/46 earlier this year
Spending coming up to halfway through trip just under budget (not a budget per se but a suggestion to myself) so 2nd half of trip also likely to be from monies that landed at that much higher rate as well
I'm hoping that Sterling strengthens against the USD on one side of the pairings and Baht weakens against the same on the opposite side so I can start funding Winter 2025/26 at similar levels as this year
On the bonus side State Pension will kick in in 2026 and as anyone who is self employed will tell you it tends to be a complete bonus as its not part replacing employed status income