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EH - Essex > Hebrides...the next step of the adventure?
Comments
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I love your "Gym Neutral" challenge - I'll have to see if I'm brave enough to work out my cost per visit
The lighthouse sounds amazing
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Lighthouses are pretty awesome I reckon!
There you go - that's "ours" - and the previously mentioned deckchairs! The top of the Old Light is the place I always head to when I want a bit of me-time when we're over there - there's no better place to sit with a book and as we're usually there with a group it can get a bit full-on sometimes!!
The gym cost-per-visit went down a bit more last night, and Mr Boss has come up with a great suggestion that might well work for me that if I want to use the one that's reasonably close to work during a lunchbreak, I can just shave 10 or 15 minutes off my lunchbreaks and take a long break one day - I'll need to see if it will be practical but all things considered, it might just work! Weather depending I might cycle that way after work tonight so I can get a fix on how long it will take to get there/back, plus exactly where I can chain up the bike and stuff like that. Might also just pop in to the gym to be sure my fob works for access, and to familiarise myself with the layout.
The 2nd of the month money stuff has all happened and I have also done my transfer to the N@tionw1de Reg Saver too - they appear to have tweaked things a little so it's easier to transfer between accounts now, which is useful. Had they done that earlier I might not have been so keen to ditch them for our joint account! (But then again - £130 incentive means I may well still have jumped!)
Another small Prolific survey last night - AND in really exciting news the £68 cashback from Vodafone had gone to payable this morning so I've requested that as a BACS transfer - once it lands it will go off against MrEH's 0% card.
OnePoll now at 857 points
Ipsos now at 937 Points
🎉 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 -
That lighthouse looks amazing 1
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Very jealous of the lighthouse, I would live up there with my Kindle!
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 #1243 -
Ooh - and I forgot - £25 win on the Premium Bond draw!
(Amazed that I actually forgot that!) 🎉 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/her6 -
Brilliant!EssexHebridean said:Ooh - and I forgot - £25 win on the Premium Bond draw! (Amazed that I actually forgot that!) 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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Great news on the win, the cashback and the lovely photos. Looks amazing.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 29/7/251 -
So would Ilucielle said:Very jealous of the lighthouse, I would live up there with my Kindle!
L
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.3 -
I love the lighthouse. I could sit and look at and listen to the sea all day.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80002 -
I love the idea of the lighthouse but in reality I would hate the stairs up and hate them down even more 😳 didn’t realise I had a fear of heights - if that’s what you call it - until I went up a spiral staircase and froze 😏 if I could get up there without the stairs I’d love it as I can be high and look down and adore watching the sea and hearing waves. Enjoy 👍January spends - £587.582
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