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

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  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm absolutely CERTAIN that the trends will always come round again Paws - you see it in clothes after all albeit things always change a little to make clear that they're a modern twist on another era!  Milann I discovered on Sunday that at some stage someone used that wood effect sticky-back plastic stuff on our inner front door - bizarre! Love that you found the brick stuff all over the place too! And SH - your sponging experience is making me feel a bit queasy...particularly the khaki....ugh! What on earth were these people thinking?! :grin: 

    Had a LOVELY evening last night with my friend - even if it did go waaaay too fast and she nearly missed her train because we lost track of time chatting! Thankfully she made it with a few minutes to spare, so all good! I had a most tasty pizza (which looked massive, but was actually beautifully thin so while filling, still left room for pudding!) and then a salted caramel cheesecake which was actually salted caramel and chocolate as they'd run out of caramel sauce and substituted chocolate instead! Still delicious though. I used my converted Clubcard vouchers against mine - had been intending to use them on the split bill but my pal was expensing hers as it was a work trip she was down on, so ended up with just £7.25 plus a tip to pay on my share - marvellous! So nice to have an evening like that catching up - I'd not seen her since pre-covid! 

    Right - I've just transferred over the month's food spend to the CC - £166.69 which is actually not too bad allowing for a fair bit of stocking up done this month. It also sets us up nicely for March as if I can spend less than the amount from THIS month, in the next, we'll finally have reached the point where we do have that full month's budgeted "buffer" in the food account, I think. Incentive!  While CC fiddling I also moved a small amount of "joint fun stuff" spending across. I reckon once MrEH moves his dentist cost over, and the Lundy "night before" accommodation sorts itself out (one booking to refund, the other to have the cost moved from the relevant "pot" there will be a teeny £23 to shift from the joint account which I'm pleased with. We seem to be back on for a decent surplus this month...hopefully!

    Water bill has arrived - just a small increase on last year so will make under £1 a month difference which I'm OK with. (Note - "ok" rather than "happy"!) Still waiting on the council tax - our local council have been making much of their own share actually dropping by £55 a year this time, but I suspect this will very much NOT be true of Essex's share and frankly I'm still expecting to see an overall increase, regardless. The service charge meanwhile is increasing by £30 a month which is distinctly ouchy - and all the more so because the extra is stuff that they REALLY shouldn't be charging leaseholders for. The garage rent is also increasing but only a couple of £ a month which is bearable. I'll need to amend the standing orders for those last two from April - I refuse to set up a DD for them as frankly I REALLY don't trust the council!  
    🎉 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
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Survey update:
    Prolific £0.22 payable/£0.67 pending
    OnePoll 967 Points
    Ipsos - just cashed out to an iTunes voucher - 67 points remaining

    Ipsos is still a bit frustrating but that is still a voucher earned in just over a month, and for something which will be of real benefit too, as I can stash those on my iTunes account against subscriptions renewing, which will save me money along the line. The main issue I have with them is the amount of times I seem to end up giving them a lot of information only to be screened out - I'm sure their take is that in that event none of the information gets stored/used but I'm never entirely sure I believe that! I'll stick with them for now anyway! 
    🎉 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
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    boxofpaws said:
    I do wonder if all the garish colour combinations will come back around, and in years to come people wonder why everybody painted their walls cream or grey all those years ago.
    I'm sure more bold colours are already making a come back. We have noticed with the show homes on the developments here and the homes that are a few years old that are now coming for resale that more bold colours are becoming increasingly popular.

    Anything has to be better than the grey monochrome phase!!!
  • beanielou
    beanielou Posts: 95,755 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The house I live in now had the sponging in the hall & the kitchen!
    Just the dab 30 years ago  :lol:
    Until I got the new fridge freezer last year there was still a part of a wall still sponged :lol:(WAs hidden)
    Was great fun doing it at the time!!
    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.
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh it was absolutely the thing wasn't it - I blame Changing Rooms and Laurence Llewllyn-wotshisface ! 

    Gym last night - need to amend my signature but that takes me to 13 visits since joining. Decent session although like most Tuesday evening ones the place was quite busy which invariably means some compromises are needed about which machines I use. All good though - I usually manage to get round most of the things I want to do. 

    Nice quick to prepare tea tonight - I'll add some chilli flakes, smoked paprika and kidney beans to a tub of the ragu I made at the weekend and do some rice to go with it - good thing too as I have to get my camera kit sorted tonight ahead of an early departure to Lincoln in the morning, plus get clothes packed for the overnight stay...well done past me! 

    Banks checked and all OK - the money I transferred to the CC yesterday has cleared onto the account so that's looking better - I get the feeling the accommodation refund isn't going to come through ahead of the statement shut-off tomorrow though which is irritating. Not the end of the world because I'll still just leave it sitting so that when it does appear it just balances itself, but I do like it looking all neat and tidy! Oh and got an email this morning from the C0v3ntry confirming a 0.1% increase on the rate on our main savings - not going to make our fortunes on that sort of increase but at least it's heading in the right direction. Just need Marcus to get with the programme now - I've tweeted them to ask whether they plan to make changes or whether we need to think about moving our money... in fact the Coventry rate now comes to a level where it's equal to that Marcus rate - but if it goes up again - which it could... 




    🎉 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: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think colour is fair enough - it was the ineptitude that was the issue
    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
  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    Well done on another bargain gym trip! 
    Debt Jan 2017 = £42k
    May 2022 = £15k
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