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EH - Essex > Hebrides...the next step of the adventure?
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Love the thought of the visit to the food show 👍January spends - £587.583
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Have you settled on a particular Hebridean island for your Big Move - or are you still in the process of narrowing it down?EssexHebridean said:This is important to me because I really want to be able to run on the beach when we’re in the Hebrides - it’s one of my favourite ways to start the day up there and I’ve been quite upset to think I might not be ableCredit card One :£926.60( Oct 21 )(Nov 21 vet bill disaster), £999(Jan 22), £974(Feb 22)
Credit Card Fl :£739.26 (Oct 21)£763 (Nov 21) , £590(Jan 22), £298(Feb 22)
Savings target C.U. £1000(£410 Oct 21)(£610 Nov 21)
Savings target Bank £500 (£10 Oct 21) (£50 Nov 21)(£60 Jan 22)(£80 Feb 22)
Credit Union loan paid off. Now for the funeral plan...3 -
Well done on the NSD's.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.3 -
Well done on going to the gym, and the NSD - but most importantly on clearing out your display cabinet. I hope you enjoy admiring it
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Milann the food show is usually a really good day out! Scottiedog - we’d prefer North Uist but are open indeed to possibilities on either South Uist or Benbecula too, all islands we know well and all have their pluses and minuses. Thanks Beanie - I’ve had mixed results on aiming for NSD targets before so was pleased to hit this one! Greenbee it looks so nice - I keep stopping to glance at it as I pass! 😂🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
It's like we all know you! Glad you are still happy with your decluttering? Fancy doing mine? Just 30 years worth to do in no time flat??EssexHebridean said:Greenbee it looks so nice - I keep stopping to glance at it as I pass! 😂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 29/7/252 -
We went to the BBC Good Food Show in Birmingham a few years ago. Can you believe I contracted an infection just before we went that resulted in me being on such high dose antibiotics I was banned from drinking alcohol. I was gutted to have to bypass all the free samples 😩I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Oh SA that was such bad timing - not surprised you were gutted! We’re sort of assuming that there will be less samples this year because of the Covid situation, which might mean we actually have to buy ourselves some lunch, usually there’s so much to graze on the most we need additionally is a snack! 😂
SH we’re kind of on the tail end of our real decluttering now, it’s just oddments that appear every now and again and bits that we’d previously identified as probably going to go, but we’d not made a decision on it. Ironically enough we started 2020 with a HUGE declutter, and got rid of absolutely masses of stuff, thankfully ahead of everything shutting down. We were so glad we had too as it made the place far more pleasant when it came to spending lots of time indoors!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Sounds like that was a really timely declutter. I have masses to do.., although given that the loft is now empty - there's less than I would have expected but then Ex and DS moved out this year taking some stuff with them... Still loads left though.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 29/7/251 -
Well we’ve already heard from the friend we’re meant to be meeting for beers tonight that his travel is looking dubious - they still have a severe weather warning in place too so we’ve said that even if the trains start running again we don’t think he should travel - it’s a shame as we’ve not seen him in absolutely ages, but can’t be helped in the circumstances, no sense him risking getting stranded.
We’ll probably change plans off the back of that - possibly stopping for a walk somewhere on our way up to the Midlands, and we’ll visit some different pubs this evening too, although still avoiding the crowded central area.I’ve just booked our final night accommodation for the way home after New Year too - decent sounding place in Fort William nice and close to Wetherspoon so we’re sorted for breakfast! £48.60 with several b00king dot com discounts stacked. That will do nicely. Also cancellable until close to the time too in case Nicola gets her knickers in a knot about the “unclean English” taking Covid past the border…mind you with the way things have been the last little while she’s probably lucky Boris didn’t do the same in reverse! 😂😂🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4
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