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

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Comments

  • Great news on the Premium Bond win! I got £25 this month as well :) 

    You are nearly at your first cash out with Ipsos too - that's really great news! I'm edging closer to a £10 cash out with Storewards, I should be there during March. Getting closer to £20 with Shoppix too but it takes longer with them, so more likely to be May time
  • beanielou
    beanielou Posts: 96,788 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a happy weekend  :)
    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.
  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    That is good work on your leccy bill, indeed. We don’t have a split tariff but I’ve been making a conscious effort to use less power during peak times for the ecological aspect. I suppose if we can all even out of usage in the long term, using power at night particularly, instead of the grid having to burn fossil fuels to feed us at peak times, we all win. 
    Debt Jan 2017 = £42k
    May 2022 = £15k
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We all need to reduce energy use. Crisis is a wake up call.

    Glad you got to the gym. Price per use coming down nicely. I pay monthly and if I go twice a week works out around £3 a time
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • lucielle
    lucielle Posts: 11,597 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fuel is shooting up every day. I keep looking at the amount of oil I haven’t got and wonder if I should eke it out or fill up. 
    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
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Might fill the van up today while we have it out. That won't be cheap 🤔

    Only needs half a tank but that will still be about £80!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That energy use is low. Well done
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
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