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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: 96,782 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: 29,087 Forumite

29 December 2021 at 9:25PM

Gorgeous scenery and photos

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
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lucielle Posts: 11,597 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: 11,524 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: 3,147 Forumite

29 December 2021 at 9:45PM

Absolutely gorgeous, wonderful photos.

Life is an adventure, never stop exploring.

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rtandon27 Posts: 6,104 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)

New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)

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leftatthetrafficlights Posts: 2,153 Forumite

30 December 2021 at 2:08AM

Beautiful!!! 😍

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

Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb

Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:

Nov GC: £0/£350

'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: 392 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: 12,691 Forumite

30 December 2021 at 7:24AM

Looks beautiful.

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redofromstart Posts: 5,952 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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