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

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Comments

  • lucielle
    lucielle Posts: 11,848 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news on having the car sorted.  I do like having pots and enjoy shuffling it all around.  Not so keen on actually using the pots, even though that's what they're their for!
    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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    lucielle said:
    Good news on having the car sorted.  I do like having pots and enjoy shuffling it all around.  Not so keen on actually using the pots, even though that's what they're their for!
    L
    Same here!
    Mortgage at 12/07/2022 = £175,000
    Mortgage at 31/03/2026 = £154,976.87
    300 256 payments to go.
    House buyout fund £26517.34/£36,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Loving the amendment to your sig 👍🏻
    Mortgage at 12/07/2022 = £175,000
    Mortgage at 31/03/2026 = £154,976.87
    300 256 payments to go.
    House buyout fund £26517.34/£36,000
  • beanielou
    beanielou Posts: 99,811 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the car  :)
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • milann
    milann Posts: 11,771 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Yes, there’s certainly going to be some tough times for some. 
    I’m loving the gym neutral scheme. I’ve actually booked a swim on Monday…..wish I’d have counted my sessions from the start of my membership. I did note I had to use it twice a week to make it pay…..I haven’t been since omicron came onto the scene. But it’s as safe as it’s going to get now so I need to start going back 😏
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad car pot has enough and spare. Have a fun weekend
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • Potato wedges or baked sweet potato are fab with hommous- especially with lots of ground black pepper! Add some salad, nut balls or roasted veg/peppers along with your coleslaw and you've got a real feast!! 😊
    'Happiness is not a destination but the journey you walk every day'

    Jan GC: £74.77/£100
    DNF: £1471.53/£6700
    Garden sections: 0/21

    DNF: 3/45

    Save 12k in 2026: #37 £1471.53/£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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