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EH - Essex > Hebrides...the next step of the adventure?
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Gym costs coming down nicely there! Mmmmm to risotto - I had paella last night and it was most tasty. Made enough for lunch, but then Mr Cheery ate half of it last night so will need to supplement (I can't complain, he's basically made every single thing I've eaten and every cup of tea for the last 3 weeks 😂). I've got some veggie sausages i might add, and there is always a giant pile of eggs round here...3
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You could have the spare roasted veg that MrEH didn't eat last night!
🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Thanks 😂😂 I'll just nip round and get it 😂😂EssexHebridean said:You could have the spare roasted veg that MrEH didn't eat last night!3 -
I love risotto.
Not made it in ages.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.3 -
Ouch to such a big energy price rise. Scary numbersAchieve 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 16/5/262 -
I guess we have to, once again, thank past us for making it possible for current us to be in a position to get through these tough times.
I love risotto too.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
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The risotto was most tasty! And yes to being thankful for being able to absorb the current price increases too - 100%!
We have a lovely sunny day here today - a chilly wind means it feels colder outside but the sun flooding in through the windows is making an appreciable difference to the temperatures indoors - I Iove a bit of solar heating! 😁 Been out for a walk first thing, and have no decided solidly against heading to the gym today but in favour of heading out shortly for a ride on the bike, I think. It’s too nice a day not to make the most of!Money-wise things are ticking over towards the end of the month. I’ve just transferred £100 across to PB’s - that might hit before the end of the month, but it might not, we’ll see. My own personal accounts are looking delightfully healthy at the moment - I’m liking having stuff split over one account for regular payments and the other for “spending” - not least because this month so far my spending account has only diminished by just under £20. I’m probably going to transfer last weekend’s fish & chips cost from there to the CC I think - MrEH usually pays when we get a Chinese but F&C goes on the CC so is a good chance for me to pay instead. The only “social” stuff this month has been a couple of nights at the rugby club though.This afternoon will be mostly getting odd housework jobs done I think - vacuuming, a quick clean of the kitchen, sorting a load of washing and probably a bit of tidying up. We’ve got some figures to find and some calculations to do for beer festival stuff as well so will probably start looking at that when MrEH finishes work. Oh and I’m going to do HM curry for tea - yum!🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Make the most of the nice weather, it's glorious here as well. Curry sounds good.
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 -
A bit of sunshine really does help heat the house up…..lovely feel good factor too 👍January spends - £587.582
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It is at this time of year that we really appreciate that our house has most of the rooms with a south facing window.
Give it a few months though and we will be complaining the house is too hot
3
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