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

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on CC OP and on confuzzling... sounds fabulous.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Just been having a read through your diary. You seem to be doing great.

    Don't envy you running storage heaters though with the price of electricity right now ☹
  • greenbee
    greenbee Posts: 17,786 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just been having a read through your diary. You seem to be doing great.

    Don't envy you running storage heaters though with the price of electricity right now ☹
    I don't know... have you seen the price of oil? 
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I always cash out when I get to the £5 mark as I'd be gutted if it all crashed and I didn't get the cash.  I'm waiting for £1.09 to be approved then I'll have £6 odds to cash out.  The max I've ever cashed out at was just over £7.

    You are extremely focused and I find it admirable.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    greenbee said:
    Just been having a read through your diary. You seem to be doing great.

    Don't envy you running storage heaters though with the price of electricity right now ☹
    I don't know... have you seen the price of oil? 
    I know. Everything has shot up in price recently. 
  • Seriously, I joke about things looking more organised on here than they are in real life but there is a good degree of truth in that. The eagle eyed will notice that there’s rarely much mention of housework on my lists, that’s because I’m essentially a lazy moo on the mundane stuff and also mercifully have a high tolerance for dust…I can be very focused, yes, but I can also be incredibly easily distracted! 😂

    Today is again looking like a relatively lazy one - at some stage I will set a timer for a 15 minute general declutter,and a 15 minute tidy of the front room. Will also dismantle the big Lakeland box that the bread maker arrived in and try to get it into the overloaded recycling bin outside - I have a hunch some local householder is using it for commercial cardboard waste AGAIN. 🙄 There is also a full box of recycling to squeeze in as well - hopefully a team effort might sort that out. 

    Shopping this morning - I have a list but will also have a MrEH which sometimes makes things expensive…I also need to resist yellow stickered bargains for the time being, ideally. 

    Prolific now at zero paid/ £4.42 pending
    OnePoll at 2470 points - !!!!!! HOW close?! 😂

    Electricity use was £1.23 overnight but we now have two storage heaters giving out a decent level of warmth, plus that was also hot water and the WM. Experimenting with the WM at 20°C for regular loads - can’t see that will be a problem but Rugby kit, towels and bedding will still go through hotter. 

    Meals from plan - We’ve had egg sarnies for breakfast using the last eggs, I’ll have a fish finger wrap for lunch which might use up the rest of the box of FF’s, and the burgers are out and defrosted for tea. Yep - it’s a carb-heavy day! 🍞😁

    Happy Saturday! 
    🎉 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
  • MrsPorridge
    MrsPorridge Posts: 2,928 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Nothing wrong with a carb heavy day!  Enjoy x

    Debt free and Keeping on Track
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