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

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  • beanielou
    beanielou Posts: 95,644 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    edited 22 November 2021 at 9:02PM
    WE run a humidifier 24/7 in the foodbank.
    It tells you the humidity.
    Expensive but worth it.
    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.
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    greenbee said:
    greenbee said:
     (I'm on a reclaimed watercress bed). 
    Tell us more...
    Someone filled in the watercress beds and built houses on them. On floating rafts on piles... but it does mean we're just about level with the water table and pretty soggy!
    Forgive my fascination - was this recent history or long ago? You'd think they'd learn...
    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
  • greenbee
    greenbee Posts: 17,837 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    greenbee said:
    greenbee said:
     (I'm on a reclaimed watercress bed). 
    Tell us more...
    Someone filled in the watercress beds and built houses on them. On floating rafts on piles... but it does mean we're just about level with the water table and pretty soggy!
    Forgive my fascination - was this recent history or long ago? You'd think they'd learn...
    1980s... 
  • rtandon27
    rtandon27 Posts: 5,717 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    A definite vote for a dehumidifier - our last place, a converted hop kiln, was incredibly damp & we ran the dehumidifier 24/7, emptying it every 8 hours.  It made the old place liveable for 6 years!  In our new place we've run it for a few hours each of the past two weekends in the kitchen/bathroom extension on the back of the house.  Only took out about 1/2 tank (4L) of moisture but definitely warmed the otherwise chilly area up by a few degrees.  Ours is energy efficient and we find it fairly inexpensive to run.  An added bonus, is a cloths drying setting which we often use for a few hours in a small room with jeans or duvets or other hard to dry items.
    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 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are making me glad I live in a modern house!!
    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
  • You are making me glad I live in a modern house!!
    Me too. 😀
  • Hello, coulld I please join you all?

    We are hoping to move back near my home city of Inverness in the next 5ish years. I am self employed and I am struggling with motivation since covid. All the hours of daytime tv and procrastination are having a serious impact on our future plans. Some accountability would do me the world of good.

    I got some good hours in yesterday and did a grocery shop. I have housework and a long list of little jobs to catch up on today. Does anyone else use to-do lists? 

    We currently live in a modern rental but the master bedroom is over the garage and the floor doesn't seem to be insulated properly. Add in the only window being north facing and you can imagine how cold and damp it gets. My husband bought me a meaco dehumidifier about 2 years ago and it must have paid for itself. Before getting it we would need the heating on all the time or the bedding would feel wet in the winter. Some of your houses sound lovely!

    SPC  #046 2021- £293.26
    Make £2022 in 2022 #35 £10/£2022
  • Right then - what's occurring today...

    Today's Update:
    Prolific: £19.47 paid/£1.63 pending 
    OnePoll: 680
    NSD's: 14/18
    Electricity overnight: £1.60 

    The electricity figure looks scarier than I think it is - I tweaked the monitor last night but think I need to tweak again to adjust the clock  as that will be reading 15 minutes of heavy night rate use as day rate.  I also turned the front room heater input up a notch last night so there will be some extra cost there.
    yesterday was a NSD - I went in to Ahhh-gos to collect the light bulbs but they were already paid for. 
    And I reckon I'll get to cash Prolific out again this week - what d'you reckon? Fingers crossed... OnePoll is ticking along. 

    Traffic was a little lighter than expected this morning so I parked up with 30 minutes to spare so cycled the long way round including the humungous hill - pleased that felt a LOT easier than last time I rode it though,  I mean I was still gasping for breath like an asthmatic octogenarian by the time I reached the top, but I didn't have to stop this time! :lol: I'm taking that as a win...  Just under 4 miles anyway, which is double what I get from my "usual" route. 

    The Sant-And-Er incentive got £125 sent to PB's, and the remaining £5 to the Marcus account as I had a feeling I couldn't do other than multiples of £25 in PB's - of course I've checked since and realised that £25 is just the minimum....oh well! That leaves us with £975 worth of PB's now - which as I said to MrEH is an annoying number - I might have to find another £5 to send across. 

    Need to keep an eye on the weather with regard to heating over the next few days - it's definitely turned colder. Also need to decide whether economy suggests we're better to turn the hallway heater up an extra degree than turn the front room one up any more, at the moment. That might need daily actual meter readings taken for a while I think. 

    Will head to the gym after work while MrEH is at rugby training - although it sounds like he may not actually HAVE training as a lot of them aren't available by the sounds of it. I also need to get the photos from Friday night downloaded and looked at this evening too. 
    🎉 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
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  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    EH,We were always against new builds until we looked at this one.There was just something about this one that felt right from the moment we walked through the door. It's funny because we looked at a couple of the same house type that were available and the other one just didn't feel the same, it wasn't right for us.

    Having now lived in our new build for 2.5 years I don't think I could go back to an older house again. The running costs are so low when compared to our previous house which was smaller and semi detached and a tiny fraction of what they were in the big Victorian semi we were in previous to that. It's never cold either, it retains heat really well which is great for us as we hate the cold :)
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