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  • FIRST POST
    • EssexHebridean
    • By EssexHebridean 28th Oct 16, 12:08 PM
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    EssexHebridean
    EH - Essex > Hebrides...facilitating the next step of the adventure?
    • #1
    • 28th Oct 16, 12:08 PM
    EH - Essex > Hebrides...facilitating the next step of the adventure? 28th Oct 16 at 12:08 PM
    Well well - here we are again then, new diary as threatened promised - the previous one can be found HERE - there are others too - if I can be bothered to go find them I'll add in some links, otherwise feel free to go stalking if you should wish to!

    Previous diary to the previous one mentioned above...
    ..and the previous one to that, too...

    So, I've been here a while (since 2008, in fact) and can't ever imagine quite managing to leave entirely now. I've made some seriously good friends thanks to this place (Stripes, Cheery, I'm looking at you ladies!) - and for that reason alone I'll hang about like a bad smell for as long as they'll have me. A brief summary of "me" - too short to reach anything interesting, Londoner (full of resentment due to being forced out when we wanted to buy somewhere to live - damned incomers and property prices!) currently living in Essex with MrEH. The username is Essex = for where we are currently, and Hebridean = representing the fact that the long term plan is to move to the ludicrously far-flung but ridiculously beautiful islands off the west coast of Scotland. (as and when the move happens I shall be requesting a change of name to LondonHebridean so nobody even THINK about taking that one, OK?)

    Started on here with a loan and a tenuous grasp on our money, plus a mortgage. Budgeting happened. An emergency fund was built. We discovered we liked the challenge of teaching financial institutions a lesson. The loan was kicked into touch first off, and then we started the onslaught on the mortgage. Various adventures along the way including losing half my income practically overnight and a 6 year experiment with being self-employed, all good fun. We waved a cheerful goodbye to the mortgage on 30th September this year - paying it off over 12 years early and according to MrEH's clever spreadsheet saving ourselves around £35k in interest had we left it to run to term. Go us, eh?

    So - this is the next chapter, really. While debt free (and that seems amazing) we want to:

    a) Stay that way
    b) Build a savings pot - firstly to ensure that we can at the least put down a chunky deposit against a future "Islandy" dwelling, and secondly to assist with a lifestyle which is less work and more full when we get there.
    c) Do up our existing flat to make it into a fab place for us to live while we're still here, and a desirable rental for when we're not.
    d) Have fun. Lots of it.

    There will be food, regular lunatic visitors (that's this thread, not at home, although sometimes at home too), a reluctance to wield hairbrushes, some Little Red Jets, and hopefully some laughs along the way. Want to join me for the ride? Well I'd be delighted - grab a chair!!
    Last edited by EssexHebridean; 17-11-2017 at 6:58 PM.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
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Page 51
    • EssexHebridean
    • By EssexHebridean 12th Feb 18, 11:52 AM
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    EssexHebridean
    Haha WF I suspect if they'd realised how bad that first bit was before everyone arrived they might have cancelled our one too!

    Very nice weekend - the result of the England rugby match on Saturday helped - several celebratory beverages were consumed and I *might* have fallen straight asleep when we got home at 9pm... Yesterday we headed up to the RSPB reserve at their headquarters in Bedfordshire - we've spent years saying we must visit one day and are now kicking ourselves we didn't go sooner as it's a glorious place! We'll definitely be going back!

    So spendiness to declare:
    - Shopping on Friday: £3.97 in Aldi, £13.41 in ThaT supermarkeT = £17.38 total
    - Tea & cake at parkrun was MrEH's treat - admittedly mostly because I'd not taken a purse with me! It was donations to MIND charity though so we felt that was a good cause!
    - I handed £10 to MrEH on Saturday so he could buy my round of drinks at the club (he gets membership discount)
    Think that's about it - the parking/reserve admission was free yesterday as we're RSPB members.

    The TCB money has arrived and been transferred to the card - signature updated.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
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    • MuffinTops
    • By MuffinTops 12th Feb 18, 12:39 PM
    • 2,117 Posts
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    MuffinTops
    Hello EH,

    Congratulations on the park run and getting around twice without causing any injury. I think whichever option you chose on the sprinting would have made you wonder if the alternative would have been a better option.

    Not a bad spend for the weekend either. I'm still struggling with the frittering, but it's not an overnight cure for me. Small steps towards the goal is best for me.
    STARTING 2017:
    Credit Card Debt: £2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • Cumbria lass
    • By Cumbria lass 12th Feb 18, 2:35 PM
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    Cumbria lass
    Well done on a Park run , what's next , 10k or half marathon?

    Sounds like a good weekend was had by all.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 12th Feb 18, 5:29 PM
    • 50,616 Posts
    • 193,732 Thanks
    beanielou
    Glad you had a good weekend.
    Well done on the run
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • EssexHebridean
    • By EssexHebridean 13th Feb 18, 4:28 PM
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    EssexHebridean
    MuffinTops I think you're right - I'm hoping to try a slightly more reasoned speedier finish at my 5k tomorrow and see how that feels. Hopefully my Strava will play nicely this time too so I'll get a better grasp of my pace throughout! (And no ice - if that's not altogether too demanding! )

    CL nope I'm currently quite happy at 5k - but I'd like to start getting quicker over that distance. On a good day I can do it sub-30 minutes but I'd like to make that the usual rather than "ooh that was quick!" and then see how much more I can take it down by. IU've got absolutely no ambition to even think about a marathon, I get a bit bored towards the end running for 30 minutes truth be told so lord knows how tedious doing several hours would be! I might work up to 10k distance at some stage but honestly undecided on that as yet - and thinking that this year will be a 5k sort of a year.

    Beanie thank you!

    I have some accommodation for a trip later in the year that I need to book, and it looks like I'm now sorting out something for a pal as well. Currently trying to choose between two options 1 of which is an Air B & B with no reviews - not entirely sure I'm comfortable with that, but if I go with the second option I'd still need to find something for the first night of the stay as that option is only available for the second. Pah! Hmmm...another look this evening I think and a definite decision to be made as if I leave it any longer there will be nothing available!

    Dinner this evening is the other half of Sunday's beef stew which I'm rather looking forward to - and the meat box arrived today so I'll have that to unpack and get put away as well - looking forward to seeing what it all looks like!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • maddiemay
    • By maddiemay 13th Feb 18, 4:34 PM
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    maddiemay
    Look forward to reading your thoughts on the meat box, I have ordered mine for delivery on 28th as we needed to eat our way through all the stashed food in the freezer, that is going well and only have One potentially weird combination planned so far
    • MuffinTops
    • By MuffinTops 22nd Feb 18, 8:00 AM
    • 2,117 Posts
    • 6,390 Thanks
    MuffinTops
    As a frequent AirBNB-er, I'd say it's probably safe to go for it. Every new rental needs to start somewhere and if it's also a good price and they've put up photos then you should be ok. It's such a tough market out there for rentals now that I think people have upped their game?

    No ice and a working strava! Woah there!!! Good luck with your Reasoned Run.
    STARTING 2017:
    Credit Card Debt: £2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
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