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

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Comments

  • rtandon27
    rtandon27 Posts: 6,130 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Ha ha - Cheery that one would have never occured to me!

    I've discovered the added benefit of a warm face when walking on the blustery bridge from the train station  to the office.  I don't bother to remove the mask after the train journey as it has to go back on to enter the office!
    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 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love it!! Mask wearers anonymous... unless you're Zorro?
    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
  • MrsPorridge
    MrsPorridge Posts: 2,935 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I heard someone say on the radio months ago that their dream had been to go into a bank wearing a mask! :)
    Debt free and Keeping on Track
  • Sun_Addict
    Sun_Addict Posts: 24,514 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the expression ‘feeling a bit second hand’ 🤣 Glad you enjoyed the beer festival though 🍻
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Brilliant phrase.

    Hope you are back to your normal self soon
    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
  • EssexHebridean
    EssexHebridean Posts: 24,865 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The expression is definitely better than the reality SA! 😆

    I finally reached a point in early afternoon where it felt like food might stay where I put it, so had a cautious slice of toast, and added a second one half an hour later. I’ve spent most of the day on the sofa which to be honest was exactly what was required - my Garmin confirms that in spite of being apparently asleep for a decent time last night, my “body battery” is at rock bottom, which explains why I’ve felt sleepy for a good chunk of the day. Just had a rather lovely jacket with beans and cheese for tea too and am feeling a lot more human - remaining feelings of grimness are down to the evil cold from hell now I think. 

    Got round to watching “Everyone’s Talking About Jamie” this afternoon too - what a lovely feelgood film! 
    🎉 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
  • amber03
    amber03 Posts: 1,406 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Think at times especially this time of year that we forget to look after ourselves when we need to,and our bodies have to remind us. A perfect afternoon just relaxing and eating toast, just what you needed. Don’t rush things EH put yourself first.xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    I just can’t do it anymore, I can’t bear a hangover. It’s a disproportionate punishment-to-enjoyment ratio I find now.
    Debt Jan 2017 = £42k
    May 2022 = £15k
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