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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
    Food spends sound good as does your cooking. I need to work on the food spends some more. 

    Thanks for your comments re flexibility. I did have fun demonstrating floating half moon complete with near face plant yesterday and airplane mode which was more successful. My mum and sis enjoyed it too LOL.
    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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just caught up.  All is sounding good.  Your meal planning is going really well.

    @savingholmes I am at the opposite end of the scale from you in the weight department (this is not a good thing) and I am the least flexible person that I know. I've thought about doing stretching classes but never got past the thought of it yet.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Like the one thing per day idea - pleasanter or easier

    Yesterday I batch cooked - making things easier
    Today I took doggy for a walk in the park - pleasanter for both of us. I also tackled a few items on my to do list - easier than expected - mostly.
    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
  • Hurrah - LOVING how many of us are now on the "One thing" train - great work @greenbee ! And yes, absolutely get that thing of finding you're focused on the large impossible feeling stuff as well - yet so often a few small more manageable things can pave the way to the larger thing feeling (or actually becoming!) easier, too! 

    Update:
    Prolific £3.65 paid/£2.09 pending
    OnePoll - 95 points - yes, I cashed out yesterday! :grin:
    NSD's 5/18 - MrEH's car needed fuel last night

    Overnight electricity was £1.38 - 2 storage heaters, water from almost cold, WM (MrEH announced that he "needed" to do rugby kit...) and the dehumidifier running. MrEH is WFH today so will leave the dehumidifier running in the bedroom for half the day - the damp wall in there was looking grim last night. The WM will NOT be going on tonight - not least as we'l struggle to get anything else dry at the moment!

    TCB payment has arrived, and been transferred from my bank account to the 0% card - the card now stands at -£253.92 - annoyingly though the regular payment still hasn't gone - I'm hoping this isn't because the OP's mean it's showing as nothing due, but the DD is set to be a regular amount rather than a minimum so I don't think that should have happened. I'll keep an eye on it and if it's not gone across in a couple of days I'll do it manually. My own bank account seems to be saying it is still due today, I'm just surprised it's not gone yet. 

    MrEH tells me that he doesn't think he will need to top his Oyster card up tomorrow, and if he does run short for the home journey he'll just use the CC instead - it doesn't cost any extra as he pays individual fare prices anyway. That means technically I could start doing some money shuffling for that today - and indeed, I might well as I already know amounts to come from some pots. Might make the overall sums easier and more straightforward. 

    We have a bit of a plan with the likely massively increased electricity spending for the winter. I'm reluctant to drop any more credit Utility Warehouse's way - so far we have paid 2 DD's, and also transferred over the credit that came back from Bulb, but as I have no way of actually seeing what the balance is on the account, I have no idea if those have all actually arrived where they should or now. We *should* have over £200 credit there at the moment though, less whatever the charges for this month are. Rather than either increasing the DD or paying more across to the account, we're going to siphon off an amount from the joint account surplus for the next few months into an unused savings account ready to use if we need to top up. I have to say so far I'm seriously unimpressed with UW, and we'll be leaving them pretty much as soon as that becomes an option, I think. Their billing is also largely impenetrable - I've never come across a utility company before that takes the 5% vat off the amount you pay them, for a start...! 

    Today should be an NSD, I'll go to the gym after work but that's all paid for of course, and nothing else is needed. Fingers crossed for a third of the way to the target by the end of the day! Meals are from the plan. All good. 
    🎉 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 I have started a little savings pot for the gas and electric going up as well , I am in credit by about £147 so if it's not needed will just transfer to other pots at the end of winter. I have had no surveys from PA for months now so have emailed to see what the problem is . 
    Have a good day . 
    Life is an adventure, never stop exploring.

  • greenbee
    greenbee Posts: 17,816 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Clearly I've started something, so now I'll have to keep it up... this week I'm doing a bit of ironing every day as it has been bugging me. As I've got an online conference to attend, I think it should be done today and then I'll have another look at the list(s) and find a few indoor and outdoor jobs to get done. 
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