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

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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The furthest I've been is Skye. It's beautiful up that direction. Never braved the OH. Always sounded cold and wet - but I think that was from listening to the radio weather reports... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • CRANKY40
    CRANKY40 Posts: 5,916 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    My great, great grandmother was born on Iona which is Inner Hebrides. My sister and I haven't quite worked out how we're going to manage it but we definitely want to visit. We want to go to Inverness too where my gran was sent after the Glasgow slum clearances (when mothers were only allowed to keep one child, the rest were fostered out).

    I've been up as far as Glenmallan and Arrochar whilst dropping the late MrC off at big grey ships but I'd really like to go and spend some time exploring. 
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    CRANKY40 said:
    We want to go to Inverness too where my gran was sent after the Glasgow slum clearances (when mothers were only allowed to keep one child, the rest were fostered out).

    That sounds horrific to have happened - for both your gran and great gran... Glad things have moved on.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Just looking back at my plan from yesterday and I’ve ticked off everything from yesterday and today so that’s not bad. 

    Plan for tomorrow looks something like:
    - MrEH at Barbers first thing
    - T’s for food shop, plus some present items
    - Charity shops - to drop off and buy
    - pop into another shop while we’re that side of town for a present for Mum
    - I’m taking Mum on an errand in the afternoon 
    - MrEH is going to make the cake

    Couple of useful bits of post today - T’s vouchers which will get us £4 off a £30 spend tomorrow, and a bit of marketing blurb from the co-op that tells us we have £13.85 on our card, so that will bring a shopping bill down while we’re away. That last also made me eat another frog - I’ve always been unable to register my card online with them, so can’t use the app. Tried it again this evening and it went straight through, so we’ll have access to the coupons on the app while we’re away too - bonus! 

    Present wise I’d really like to get some more bits for Dad, but not sure what. I’m about there for MrEH, and I can get Mum sorted pretty easily now I think. I’ve told MrEH that he is sorting the niece and nephews this year, as they are after all his brothers kids, it’s as easy as Am@z0n credits for each, but what’s the betting I end up doing it in the end? 😬🙄  All in all I’m feeling almost organised though…very strange! 
    🎉 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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  • Cheery_Daff
    Cheery_Daff Posts: 17,231 Forumite
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    Glad you're nearly sorted! 

    I confess I leave Mr Cheery's nephews and niece (and great nephew and niece 😮) to him. They do usually get a present even if it's not remotely what I would have chosen! Last year I did end up buying them all, since someone we know had opened a toy shop which then got flooded after a few days, so I bought all kids presents in one go from them - but we ended up not seeing them anyway because of Covid. None of us exchanged presents at all so I think they'll just get last year's presents this year...

    I'm not even thinking about presents or plans til after I've finished work next Thursday 🙄
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