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

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  • beanielou
    beanielou Posts: 95,715 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have not had a You Gov survey this year  :(
    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.
  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    I’m not sure if we’re with the same bank but I cannot set up a standing order to the new cash back credit card. It acts like I’m making an instant payment. Very frustrating. This is hfx 
    Debt Jan 2017 = £42k
    May 2022 = £15k
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The photos are lovely. Thanks for sharing. Good luck with your £ tasks
    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
  • boxofpaws said:
    I’m not sure if we’re with the same bank but I cannot set up a standing order to the new cash back credit card. It acts like I’m making an instant payment. Very frustrating. This is hfx 
    I was having this issue and in the app my keyboard was covering the make standing order button, once I figured that out it was fine. 

    ETA: I had to hit the edit button to change the date of when it went out. 
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I've not had much from Prolific either but I've had absolutely nothing from onepoll. I did the first survey after logging in for the first time in years and not a jot since then.

    You're doing well in other areas 👍🏻
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • milann
    milann Posts: 11,413 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I went back with Toluna toward the end of last year. I got so sick of getting screened out I cancelled 🤬🤬🤬
    January spends - £587.58
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Being self employed I gave up as I seemed to be screened out of them all. 
    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
  • EssexHebridean
    EssexHebridean Posts: 24,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Interesting to hear about everyone’s survey experiences - I’m lazy with YouGov I just admit, I get them through fairly often but the length puts me off. I do get to them eventually but I suspect sometimes it’s after the results have actually been used! 😂

    Yesterday’s beer festival site visit ended up continuing on to several pubs (not unexpected!) - it’s the first time we’ve done anything face to face for the festival in 2 years so even though it was only a handful of us it was fab to get together. I finally got home just before 10pm - lovely MrEH picked me up from the station and stopped to pick up a Chinese takeaway for tea. A spendy day but worth every penny. 

    Today has been a lot less hectic. A lazy start with tea and toast. A wander up the road to get MrEH’s paper, then he went off to rugby and I headed to the gym. Got back here at around 2pm, had a delicious bacon, egg and cheese toastie for lunch (to use up some of the last of a pack of bacon and the final two eggs). Did my report and recommendations for our areas of responsibility from yesterday and uploaded photos to the shared drive so others not present can see what we saw. Aside from doing some yoga the rest of the afternoon has just been me, the sofa and the TV. Fab and just what was needed. Now just waiting to see what time MrEH is likely to be back with a view to sorting out HM pizza for tea - the dough snd mozzarella from the freezer, the remaining bacon, some peppers from the bag I got from Mozzas last weekend. Possibly another topping too if I can find one. 

    I have recorded a NSD I’ve just realised, and have also changed my per-visit gym cost to £330/2=£165. Also transferred the final £500 of Reg Saver money across to PB’s - hoping that hits the account by the end of the month so it’s eligible for the March draw. 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • Sounds like a wonderful day. 

    Well done on the bargain gym session! I really must take some inspiration from you and use my home gym more. 
    Debt Jan 2017 = £42k
    May 2022 = £15k
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