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EH - Essex > Hebrides...the next step of the adventure?
Comments
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Can't believe how busy you are. Good to see you celebrating your 'one thing'.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/263 -
Morning SH - or should that say goodnight allowing for the time of your post?! 😂
Well it is far from “bright” here this morning so I have a dilemma with the towels etc. It’s not actually wet though so probably makes sense to shift them outside assuming the rugby kit that’s out there is also dry, that is.I’m feeling a bit bleurgh again - tired, achey and generally a bit as though I’m running on empty. I think it’s a combination of several things, but I am listening to my body and today will not be a gym day. A bike ride into town, and I’m planning to fit in some yoga later as that will help with the achiness. We’ve had a walk this morning, and I’ll be active-ish this evening with being at the rugby club too. Basically aiming for a balance between a good amount of activity without any of it being too challenging or hard on achey muscles and joints. Interestingly my Garmin agrees that things aren’t quite right as my “body battery” level dropped a lot more from a three mile walk than I would usually expect. (Resting HR is back down at 47 though which is pretty much normal for me - it nosed up a bit last week adding more weight to the idea that I had some form of lurgy.)
i’ve had one Prolific survey this morning and will check OnePoll before I head out.🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Right - cycled in to town, just went to Asd@ to avoid temptation elsewhere (although should have got Mum’s birthday card too - Doh!) and bought the new knickers I wanted. (They do lovely ones with an “all round” top band of a nice wide lace which are SOOO comfy - far better than MnS’s “half lace” version.) While in there I wondered what their lightbulb stock was like - and hey presto the answer is “excellent” so I now have all those we wanted to get immediately. This afternoon’s job will be changing at least some of them over. Total spend £32 - ouchy, energy saving tech is great but I do rather miss 4 60w bulbs for 99p! 🤣🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Yep I remember when I was a kid the bulbs were soooo cheap, and moving out I wondered '!!!!!! is going on with these bulb prices' - spend ages on the net trying to find 20p bulbs lol! I've got smart bulbs now to save energy but hey they cost a fortune.
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I was astonished at the prices of smart ones! They’d need to be prepared to make me a cuppa and turn the TV on for me of any evening for me to pay that sort of money! 😂😂 Smart they may be, but not THAT smart, yet!🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
LOL HB do energy bulbs at what felt like decent prices to me. Hopefully you will see a drop in your energy bills as a result of the swap to make up for it. One bulb I looked at today claimed it could last 25 years!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/262 -
For goodness sake - massive post and the forum just lost the whole flipping thing! Pah!SH the Asda ones I bought yesterday claim a 25 year lifespan - amazing!Summarising - for anyone who thinks this is an edited highlight reel, proof to the contrary:
The bulbs I bought yesterday - the front room dimmable and kitchen GU10’s are fine. I and working. The candle style ones for the units though ai foolishly forgot to check the fitting, and discovered whenI oooked properly that we need SES, (I knew that) and I have bought LES. Sigh. We’ll plod down to change them tomorrow, and will also probably get a refund on half as it turns out we do already have 4 halogen ones which although not quite as cheap to run, ai would rather use than replace. They’re still better than incandescent ones.To add to that we today managed to forget to add the water to the bread pan when trying to make a loaf. 😂 came home to some interestingly toasted dry ingredients… in our defence the old machine took the water first, so we’re used to seeing the pan go in with just the dry stuff showing - still felt like a right pair of numpties though!So - aside from that debacle today we’ve sorted food shopping (Farmer’s market and T’s), done some cleaning and tidying, bought the replacement number plate light bulbs for MrEH’s car - it’s blown both which we hope is coincidental rather than concerning. Also bought my Mum’s birthday card and stuck it through the door, made a start on cleaning the larder (everything is off the tiled shelf and it’s been anti-bac’ed, and the wooden shelf above has been cleared, cleaned and everything replaced), MrEH has also cleaned out a bird feeder and refilled a couple of others. Nothing major, but a quietly productive day nonetheless.🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Sounds like an excellently productive day! Aside from the bread 😂😂 you're not the first person to do that (I've done it myself...) and I'm sure you won't be the last! 😂
Love a nice pottering weekend day 😊4 -
I was the same, when I was posting long posts the forum would sometimes lose them. It was extremely annoying. Now if I'm posting a long post and I feel like I've been typing for a while I select all and copy right before I post it. If it loses it I just paste it back in and post again. Since I started doing that (on the old forum) I've only had to use it twice. Funny that.Mortgage at 12/07/2022 = £175,000
Mortgage at 31/03/2026 = £154,976.87
300 256 payments to go.House buyout fund £26517.34/£36,000
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Annoyingly GAP I do sometimes do that - not this time though! 😂
I’m so glad to hear we’re not the only ones who’ve done something like that Cheery - the other one I’ve never been allowed to forget was when I set the old one for pizza dough not long after we got it, and I used the menu setting from the previous one without thinking…and we ended up with baked pizza dough as it was on the “cake” setting! 😂🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4
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