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

EssexHebridean · 2016-10-28 11:08:38

Well well - here we are again then, new diary as [STRIKE]threatened [/STRIKE]promised - the previous one can be found HERE - there are others too - if I can be bothered to go find them I'll add in some links, otherwise feel free to go stalking if you should wish to! Previous diary to the previous one mentioned above...…

Comments

beanielou Posts: 97,775 Ambassador

29 December 2021 at 9:23PM

Stunning

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.
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savingholmes Posts: 29,135 Forumite

29 December 2021 at 9:25PM

Gorgeous scenery and photos

Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/26
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lucielle Posts: 11,676 Forumite

29 December 2021 at 9:26PM

Looks wonderful
L

Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #124
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milann Posts: 11,604 Forumite

29 December 2021 at 9:38PM

That sunrise made the journey worth it 👍

January spends - £587.58
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Sunshine_girl2 Posts: 3,210 Forumite

29 December 2021 at 9:45PM

Absolutely gorgeous, wonderful photos.

Life is an adventure, never stop exploring.

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rtandon27 Posts: 6,343 Forumite

29 December 2021 at 10:13PM

Wow - just absolutely WOW!!!

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)

Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)

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leftatthetrafficlights Posts: 2,336 Forumite

30 December 2021 at 2:08AM

Beautiful!!! 😍

'Happiness is not a destination but the journey you walk every day'

Jan GC: £74.77/£100
DNF: £510/£6700
Garden sections: 0/21

DNF: 3/45

Save 12k in 2026: #37 £510/£6700

'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

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Staffordia Posts: 412 Forumite

30 December 2021 at 6:06AM

Love the sunrise photo.

Mortgage Free November 2018
Early Retired June 2020
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RelievedSheff Posts: 12,732 Forumite

30 December 2021 at 7:24AM

Looks beautiful.

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redofromstart Posts: 6,057 Forumite

30 December 2021 at 10:09AM

Happy holidays EH, love the photos.

My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++

GNU Mr Redo

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