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Gilligansyle's outside her comfort zone

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Comments

  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Planning ahead a bit, I've checked my balances on the various hotel rewards programmes and I'm starting to build up quite a stash. Sometimes the hotels are independents, but next week and the week after I'm in hotels that are part of a chain, and will try to do the same for my final trip to Scotland this month. One of the rewards programmes you can get Amazon or M&S vouchers, so that may be next Christmas sorted!

    So far I've got £15 up to now, so should have a fair stash by the end of the year. The other hotels mainly you get free nights, so if I add them to existing trips it means I could get some free weekends away.

    Thinking time ahead.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The idea of extra nights as Free or low cost holidays sounds good - there have to be some perks for all that driving you are doing
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thats great, Gill - I love that idea.
    2023: the year I get to buy a car
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Well, it make a change to have an uneventful trip up to Scotland, steady 70mph all the way! Always reminds me of Jenson Button if I say that; he was asked on Top Gear ( I think) what was the fastest he'd driven in his Bugatti Veyron and after a slight hesitation he said "77mph!" - as if!

    So no spending except on petrol for the next few days, and I'm playing 'beat the car computer' as I drive, so I make a note of how much fuel and roughly how long it should last and watch it go up as I go further!
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I remember JB doing that, that was fun :)

    I love watching that range calculator play around with petrol consumption .... fascinating.

    Hope the work today goes well.
    2023: the year I get to buy a car
  • I remember having a sierra with a fuel computer when they were very new and I used to try and beat my consumption too - competitive as ever :D

    I also had a car in which a light went out when you first put your foot on the brake and I used to try and drive from Birmingham to Llandudno without using the brakes - I used to manage it sometimes :rotfl::rotfl::rotfl::rotfl::rotfl: this was early 80s and the motorways were a lot quieter.

    DTxx
  • I often feel strange at the end of a long journey, because if I'm driving at a steady pace I can often go for hours without braking on the motorway, as don't need to. Coming home from Scotland for example, once I get to the motorway, I will ease off the accelerator occasionally when exiting one motorway to another, but rarely need to brake; its only when I get to within 5 miles of home that I get to the first set of traffic lights.

    Off to buy food, why did I think I could get through January without buying anything other than fresh stuff. I've got this 6 foot food eater in the house.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That really says how good your driving is on motorways! Good for you :)

    A food eater - I like that description!
    2023: the year I get to buy a car
  • Basic food shopping done yesterday £27.61
    Butchers £3.64

    So all in all not too bad, need to get some soft drinks for DS.

    My new car comes this week!:j:j:j

    Unfortunately as I'm away it will be delivered and DS will have to take responsibility for it. So he'll see it first. I asked if they could delay it, but there is a complicated legal/leasing reason why it has to leave the dealership and be signed for.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Fantastic! And it'll be brand spanking new, won't it! Are you familiar with all the computerised gubbins on cars these days? When my sister got her Focus a couple of years ago, she was forever looking up how to do stuff ...
    2023: the year I get to buy a car
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