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

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  • * Could everyone speak up - I can’t quite hear you over this wind… 💨💨💨😆 *

    Well in spite of the fact that our red weather warning finished quarter of an hour ago we’re still getting gusts as strong as they were at midday when it was meant to be at the peak. Feels very odd to witness weather like this over this side of the country although we’re well used to it up in the islands of course - for over here in East Anglia this is pretty severe. 

    As a result today has been pretty laid back - we went for a walk this morning - just a short one for MrEH but I went a bit further as the wind hadn’t really got up massively by that time. Since then I’ve been out very briefly twice - once to take a bag of rubbish out to the bins, and the second time to pop a letter into the post box, and also as it turned out rescue a stray wheely bin at the same time. It’s definitely not much fun out there, but most people do at least seem to have heeded the “stay at home” warnings as there’s very little traffic.  I’ve done some general tidying round, done a yoga session, a bit of washing up that felt like ALL our saucepans, and that’s about it! 😄 
    🎉 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
    she/her
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yoga session sounds good. I'm surprised you ventured out in this weather - although I too nipped out early doors
    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
  • milann
    milann Posts: 11,420 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Yup it was definitely stay at home weather. Hope your fared well and stayed safe 👍
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All sounds very organized. Good you were cautious around the storms too. Really pleased you are looking at pensions. They take time to grow
    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
  • Cheery_Daff
    Cheery_Daff Posts: 17,257 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch to the electricity increases, and I imagine the overnight one would have a big impact for you with your storage heaters? As you say, could be a lot worse, and is for a lot of people, but still - ouch. 

    Good news on the plasterer though! Hope it all goes nice and smoothly :)

    And (ssshhhhh) well done on starting the pensions process :) 
  • Of all the things we did in our house when we moved in, plastering is the one that has the biggest impact. Makes everything look fresh again.

    I know what you mean about being able to absorb the cost of the fuel increases, it just pains me that we have to!
    Debt Jan 2017 = £42k
    May 2022 = £15k
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