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

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  • savingholmes
    savingholmes Posts: 28,997 Forumite
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    Sounds like another productive weekend. Not surprising that you want a rest soon
    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
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
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    I just checked the website and there's a 14p difference in reported diesel prices here, even in the same small town, and 21p in the nearest city.  Not sure if that's still accurate or because nobody is bothering to report updates to the expensive ones, so will have to look out as I go past! 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Cheery_Daff
    Cheery_Daff Posts: 17,270 Forumite
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    Good work on the gym! Lovely to free up a bit of spare time for yourself too :) 
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
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    Noticed this morning that the expensive petrol station we drive past has finally dropped the price of diesel by 4ppl to 181.4ppl. Not the full amount but at least it is some reduction.

    Not sure why people still insist on using that one. There is another expensive one literally within eye sight that is a few pence per litre cheaper and a mile or so up the road there are a few supermarket ones that are all around the 170ppl mark!
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
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    Noticed this morning that the expensive petrol station we drive past has finally dropped the price of diesel by 4ppl to 181.4ppl. Not the full amount but at least it is some reduction.

    Not sure why people still insist on using that one. There is another expensive one literally within eye sight that is a few pence per litre cheaper and a mile or so up the road there are a few supermarket ones that are all around the 170ppl mark!
    I don't get it either, but apparently some people believe the petrol quality is different.  I've actually been googling this due to a relative who insists they've been told by someone who was told by a mechanic that supermarket petrol kills your car [eyeroll... ].  No evidence as all petrol has to conform to a BSI standard - most useful summary I found was this Which? article

    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • EssexHebridean
    EssexHebridean Posts: 24,448 Forumite
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    Interesting link Rosa. I've had SO many conversations with people over the years on that very subject! I'm with you RS on wondering why people use the pricey ones but judging by the numbers on the forecourt at the BP one we pass on the way to work they certainly do. I wonder if a lot are company car users who don't pay for their fuel AND need somewhere that will accept their fuel card perhaps? In fairness, when I had a company car for a bit some years ago I never shopped around particularly! 

    Well morning all - another grey miserable one here - and chilly too. I checked the forecast last night with a view to what the heating needed to do over the next few days - I was hoping to be able to turn it off but instead ended up turning it UP which was a bit depressing! Oh well - can't be helped allowing that we're going to have overnight temperatures of down around freezing again over the next few nights. 

    I'm in that odd financial limbo leading up the payday at the moment. Everything has come out of the account, but I'm always reluctant to clear out the surplus until after more money has gone in just in case MrEH needs an Oyster top-up that I don't know about, for example. We're definitely starting to see the difference now with more commuting costs again - MrEH was in the office 4 days last week, 3 the week before, and may yet be doing 3 again this week as he's making a decision today about going in tomorrow. there IS still a surplus, and we have already transferred an amount across to PBs as well,  but still, the "spare" money is definitely less than it was. 

    Need to remember to take the meter readings tomorrow - Electricity can realistically be at any stage through the day but I want MrEH to go out and get the gas one AFTER we've cooked dinner - that seems to make sense. I do wonder whether there will be issues around getting them through to the suppliers as well - it's going to be a busy day for it and I suspect their systems may struggle to cope. We'll see. I'll probably make sure we get photos of both anyway so I have "proof" of what they were down the line if needed.

    Decided against the gym tonight firstly as I have a slightly tight hamstring - it "pinged" slightly while I was doing my session the other night, and still feels a little awkward now - and secondly because the weather forecast for later looks a bit grim and if it IS raining I'm not going to fancy the cycle there and back, and would rather have the option to head straight to the car I think. If it's better than expected I'll fit in a longer cycle though - I fancy doing some exploring of the Olympic Park so might head in that direction - it's not much further on than the gym so might be a nice place to go and explore. I've only been round there a handful of times since 2012 but it's a lovely place, and so many great memories of all the Olympic excitement! (Hard to believe that was all TEN YEARS ago! Talk about time flying!)

    Food tonight is a "not quite a roast" - the last tub of the pork from that massive piece we got some time go, along with a tub of its meat juices got pulled out of the freezer this morning to defrost, along with a tub of mixed root mash. I'll do some veg with it as well - probably the last of our home grown runner beans if I can extract them from the freezer tonight, plus something else from the "frozen veg drawer". Tomorrow is couscous and "something" - I'll have a think about what, but if it's going to be roasted veg then as MrEH is planning to make a batch of rolls for lunches this evening, if I can get organised enough it might make sense to shove the veg in at the same time then it just needs reheating tomorrow. 

    Only other definite plan for today is that I have a Teams meeting tonight for the beer festival - it's going to be a slightly uncomfortable one I think, but we'll see how it goes. Beyond that we could ideally do with squeezing in a bit more work on our area of the festival, and I'd really like to get a bit more of my crochet done - I'm loving being back to crocheting and am keen to learn some more stitches now! I'm also debating whether my planned "scarf" is actually going to turn into a "strip" to join to some others and create a hotch-potch blanket as some of the yarn I'm using is actual wool and I rarely get on with wool right next to my skin - I find it itchy. That would also mean I could potentially use up even more of the bag of oddments of yarn too. Hmmm....
    🎉 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
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  • Cheery_Daff
    Cheery_Daff Posts: 17,270 Forumite
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    Lots of things going on in there! 

    I did our meter reading this morning - had an email reminder through so I've done it - I'lmve set an alarm reminder to do it tomorrow, but we'll be at Mr Cheery's dad's for the day so if I end up forgetting at least they've had one from today rather than going off the one I did at the end of January.

    Grey and chilly here too. Not got the heating on yet today (I've been experimenting with timer settings and got rid of the morning hour last week but may have to reinstate it!)

    Might follow your good example and get a bit of meal planning done...
  • EssexHebridean
    EssexHebridean Posts: 24,448 Forumite
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    Cheery I had literally just turned ours to the lowest level possible for the "on" period in the mornings - we get some warmth from the overnight charging period but not so much from the newer (high heat retention) heater. 

    I need another freezer audit before I meal plan next I think - I discovered a tub of cooked sausages I'd forgotten we had this morning!  
    🎉 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
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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