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EH - Essex > Hebrides...the next step of the adventure?

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    People really are baffling aren't they SH - if they have been there until now they surely should have stayed, although it may be that they were being made to feel unwelcome by those locally!

    HH sorry to hear you're poorly - and I hope that nobody WOULD get nasty about people heading out for exercise but I have seen it happen elsewhere so decided I'd rather pre-empt! 

    And on the subject - we've been out for a lovely 3 mile wander this morning - sticking entirely to cycle tracks and the paths through the woods - just glorious out there again thank goodness, it definitely helps to have some nice weather while we are easing into this new normal I think. I took the camera, MrEH took his binoculars, so I will have some photographs to post on twitter and maybe instagram later on. :-) 

    I have a notebook on the go with things that need doing (bokings to be cancelled, refunds to be claimed etc) and also things that need to have an eye kept on them - so money coming back on refunded things and that sort of thing. Also things like sorting the CC bill as without a normal routine it will be really easy to let things like that slip.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • I'm glad you had a lovely walk EH :). We've got to keep our sanity intact somehow!
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad most of you are getting out for walks. I dropped something off at a neighbour and that's been all so far. Weather has been beautiful. I did admire the flowers in my garden up close. There were some hidden away which I found which was also nice.  
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The baking sounds fun. I can relate to appreciating the little things more - even the more annoying neighbours are suddenly more interesting to talk to.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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