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

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Comments

  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done for cycling despite the weather. It was quite a bright day here but got dark very quickly come late afternoon. Only a few weeks to the shortest day and then it will get lighter again.
    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
  • beanielou
    beanielou Posts: 96,915 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, 3 1/2 hours for the WM is a long time.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • rtandon27
    rtandon27 Posts: 6,132 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 11 November 2021 at 8:41PM
    EH - I'm also unconvinced that my ECO cycle which takes 3.5 hrs is better for the either my cloths or the planet than the 1hr mixed fabrics cycle.  We rarely have heavily soiled cloths - sometimes jeans & socks if we've been for a (now rare) hike.  Mostly I save the long warm water cycle for sheets & towels and use the short cycle for everything else.  The shortest cycle also means 2 extra hours of drying time out in the fresh air which reduces the time needed in the drying pod.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)
  • greenbee
    greenbee Posts: 18,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I do most stuff on a 30c quick wash. If I want it to be really quick I do a 15 minute one. If I need a long wash I stick it on delay which gives me a ‘finish in’ time which is pretty accurate, but varies a little depending on the weight/grubbiness of the load.
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have never heard of washing machines going over their cycle before... Although my brother's got so hot it was steaming half an hour later and ruined his clothes.

    Love the path of least resistance but then I end up with bulging cupboards
    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
  • beanielou
    beanielou Posts: 96,915 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    EH~~Not sure why you are with UW.
    My best advice is to get away from them as soon as.
    They are the dregs.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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