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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
    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 £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
  • 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • 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.
  • 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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
  • Cheery_Daff
    Cheery_Daff Posts: 17,192 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 😊
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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 today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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