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EH - Essex > Hebrides...the next step of the adventure?
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OK - cancel that last bit of annoying stuff - having logged into the main online banking I've now realised it needed adding to my showing accounts in there, and it now appears in the app as well - hurrah! Now I need to track down where I put THAT debit card (please let me not have lost that one, too!) and then I can start using that for spending money which was always my original plan.
New bit of annoying stuff though - also while in the main online banking I tried to set up the new standing order for the monthly transfer to the new Coventry reg saver but for some reason it was having none of it. Tried twice, it failed twice, I'm now officially giving up until the weekend.
I have however - in true "TaDa List" fashion:
- Set up the transfer for the £500 still in last year's Cov Reg Saver to the joint account ready to shift to PBs
- Requested closure of one of the old accounts that a previous reg saver has become - I no longer need it and it's the easiest way of extracting the 51p that was in there!
- explored to try to find out whether you can give accounts in there personalised names - it seems you can't, so I won't be stashing gym neutral money in the Coventry!
Progress....not perfection.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
I have not had a You Gov survey this yearI 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.3 -
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 hfxDebt Jan 2017 = £42kMay 2022 = £15k3
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The photos are lovely. Thanks for sharing. Good luck with your £ tasksAchieve 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 29/7/252 -
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 hfxETA: I had to hit the edit button to change the date of when it went out.2
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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
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I went back with Toluna toward the end of last year. I got so sick of getting screened out I cancelled 🤬🤬🤬January spends - £587.582
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Being self employed I gave up as I seemed to be screened out of them all.LTotal 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 #1242 -
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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
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 = £42kMay 2022 = £15k1
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