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

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  • That's very annoying about the gym money being taken EH 😡.

    What will you do with the money you've saved by not doing your normal travel/activities? Will you need it offset any loss of earning during the lockdown, or will you find another purpose for it? For example topping up the EF?

    I never mind children being noisy as I know they can't help it, but I do think that children should be in bed before 11pm 😱. How old are they? Would noise cancelling headphones help? The parents probably can't cope 🙄.
    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
    Sorry about the neighbours - my sis put a note through hers asking them to use headphones
    Some good money saving from the sound of it. I must admit I've always been a 'house' person and don't think I would cope well in a flat. 
    Achieve FIRE/Mortgage Neutrality in 2030
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    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
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    rtandon27 said:
    EH - I'm also amazed at my low CC at this point of the month, but similarly with no commute to pay for and no working lunches happening, I'm quids & quids up, so have shoved it all into our EF.  I'm on full pay until May, but after that who knows!
    Good news that you have been guaranteed full pay until May at least - fingers crossed for after that. My lot haven't really discussed it beyond an initial absolute assertion that they would keep me on - I'm conscious that if this proves to be long term though they will probably not be able to. 

    That's very annoying about the gym money being taken EH 😡.

    What will you do with the money you've saved by not doing your normal travel/activities? Will you need it offset any loss of earning during the lockdown, or will you find another purpose for it? For example topping up the EF?

    I never mind children being noisy as I know they can't help it, but I do think that children should be in bed before 11pm 😱. How old are they? Would noise cancelling headphones help? The parents probably can't cope 🙄.
    This month it will probably go between the long term savings and the EF top up as usual, but after that it's going to be offsetting the loss of income from MrEH's three day weeks - not though it will offset much of it! Still, we're in a better position than many, at the moment at least. 

    As for upstairs, yes, I agree about the timing for bed - these are both small as well - the oldest is about 6 or 7, the youngest only a toddler - this also happens in normal times so lord knows how the oldest one is ever awake enough for school. Noise cancelling headphones probably would help but I think I'd find us both being in our own little bubbles like that pretty horrible as well so while on the face of it is would be a solution for some I'm not sure it's really for us. 
    Sorry about the neighbours - my sis put a note through hers asking them to use headphones
    Some good money saving from the sound of it. I must admit I've always been a 'house' person and don't think I would cope well in a flat. 
    This is "running about" noise - I think we will have to stick a note through if it carries on though as this has been every night this week - to the extent that I ended up in bed an hour late last night because there was no point in me going through any sooner. We'll give them one more night, and if it happens tonight I think I'd write something and go and stick it through asking them to make sure the kids are quiet after 10pm at the latest as we still are both working from home and do need our sleep!
    With hindsight I wish we had bought a house, but at the point when we bought I was still very nervous about the idea of owning a "whole house" with all the potential for big bills for roof repairs and similar - of course as it turned out the major works bill that we had to dispute was the equivalent anyway! 
    🎉 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
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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi both - thanks for popping in! SH eggs seem to be fairly constantly back in stock round here now thankfully - that makes life easier as we use them a fair bit - egg mayo sarnies are a lunchtime staple here! 

    lostmyusername Ironically we're only a few miles from Enfield! However we don't (as in REALLY don't!) have anywhere to store such an amount of flour at one time - which is a shame as that would be a decent solution. MrEH has just reported back that L's still have none, and the last few times we have been into a T's they have had no flour at all! 

    We have just ordered some beer online for delivery from a (very!) local small brewery who are offering free delivery in the area. Some Stout, and an Apricot Pale Ale which sounds nice - so looking forward to hearing when we should get those, wouldn't surprise me if it's today though to be honest. We've plenty in for the weekend, but a bit more variation is always welcome! 🍺🍺😁 

    Tomorrow's plans are currently fairly loose - I've got to do Mum & Dad's shopping at some stage, and we have a nice long list of things that we'd quite like to do - everything from fixing a bit of fence on our balcony to doing a jigsaw. Might also have to add watching the Simon Pegg/Nick Frost films to the list as I spotted Run Fat Boy Run on the shelf earlier and that reminded we we'd not watched that for ages! 
    🎉 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
  • EH - how funny! We could be neighbours! 

    Hope you have a lovely sunny Easter weekend!
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