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

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Comments

  • greenbee
    greenbee Posts: 18,094 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 November 2021 at 8:23PM
    greenbee said:
     ( I don't have banisters on the landing, the stairwell has bookcases instead - cheaper, more useful, less dusting)  
    Eek! That would be illegal in Scotland as a breach of building regulations.  Elderly people can easily stagger into bookshelves...🤔
    Why is it more likely that they're stagger against bookcases than banisters? At least they wouldn't risk getting an arm or leg stuck between them.

    They comply with building regs. They're more solid and secure than banisters, and there's less chance of anything dropping on the head of people passing downstairs. I haven't just stuck a load of freestanding bookcases round the edge of a hole. 

    Some people have glass panels, some even have walls round their stairs. Banister rails and spindles aren't the only legal option.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your composting. I looked into one of those last year - but they'd sold out - and now I have different calls on my £
    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
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    The mild weather so far this winter has done us all a favour with keeping the bills down so far. We have built up a fair amount of credit which should see us through the winter months comfortably. I think this month we should also add a little bit more credit to the account balance but then the next few months will eat into it.
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I’m liking the 15 minute burst idea - think I’ll have a go at that 👍
    January spends - £587.58
  • Also liking 15 mins... was just thinking last night I have to accept I don't have large blocks of time any more.  I'd go back to my FlyLady book, if I could find it... :D
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • 15 min bursts sound great, I need to do that! My current method involves doing nothing until it seems desperate and then resentfully spend an entire weekend on it - it is not working well for me  :s
  • That's precisely the mindset I originally started using the 15 minute thing to get out of GC - doing things in bite sized chunks is far less onerous! 
    🎉 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
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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