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

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  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,110 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Have a lovely break EH. 
    Life is an adventure, never stop exploring.

  • beanielou
    beanielou Posts: 95,759 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Cream cheese & bacon sounds most yummy.

    Have a lovely break  :)
    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.
  • redofromstart
    redofromstart Posts: 5,870 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Have a lovely break!

  • MrsPorridge
    MrsPorridge Posts: 2,930 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Have a great holiday.
    Debt free and Keeping on Track
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy Lundy. Well done on all the exercise. You are doing my share that's for sure!
    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
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks lovelies - Beanie cream cheese and bacon was delicious! Somehow MrEH managed not to use up the tub so I have cream cheese and tomato today to use the last of it! GAP it can be galling sometimes can’t it to see people just vanish when you think they might have started to grasp it. On the whole I’d say that usually it’s pretty fast for me to be able to tell whether the message is sinking in or not - and people are all so different too,  sometimes there are those where a real shock statement can help, others are just too fragile and need a far more delicate approach. Then there are those who are determined that their approach is correct - they post for validation, and when they don’t get it comes as a huge ego-bruising shock. They most often huff a bit and then flounce - but the one thing you can be sure of is that very likely we’ll see them back again in a few years - sometimes going through the same performance again, and occasionally actually with the lightbulb fully in and ready to acknowledge that the methods we suggest DO work. (I’m aware of at least one poster on here who has so far appeared three times under three different usernames - on each subsequent occasion the debt has got worse, and the likelihood is that next time they appear it will be with the risk of losing their home. It’s really sad - there are kids involved too - but above all it’s frustration that they simply can’t see that repeating the same steps over and over suggests that those steps are wrong! Aargh! ) I confess that these days there are sometimes newbie posts I look at and think it’s honestly not worth engaging with - they’re just not there and it’s a waste of time. And yes - the ones who have my absolute respect are the ones who get delivered a really blunt message - initially they’re usually a bit wounded and defensive but then they come back and say “Ok, I get it now” - they often start a diary too and it’s lovely to see the progress. 

    Thanks Redo & MrsP - This time tomorrow we’ll be on the boat! Exciting!  SH thank you too - as for the exercise thing it’s about finding stuff you enjoy - then it stops being “exercise” and starts being just something you love doing. Also I think divorcing it from anything to do with weight or body size helps - joyful movement is good for your health regardless of what effects it has there, and feeling that you “have to” exercise is very much the antithesis of making it joyful! 

    Packing got done last night, just a last few bits to throw in before the bags go in the car now. MrEH also wrapped up the basket of goodies we have for his parents as their nominal Christmas pressie - they were quite firm on not wanting anything this year - they’d just moved you might recall and didn’t want (or, let’s be honest, need!) any more stuff. We wanted to get them something so have put together a basket with various home made goodies, a couple of small bottles of red wine I’d been given (I don’t drink red), a couple of bottles of beers from our stash, and just a handful of bought bits & bobs - no more than a fivers worth though. The basket was one a friend gave ME a hamper in at Christmas so that wasn’t a spend either - and we’re confident they will really love it. 

    Jobs so far this morning include bringing in washing, unloading the dishwasher, MrEH has made our lunches for later, and half a load of washing up has been done - there’s a pan having a bit of a soak now and then I’ll crack on with the other half. We’ve been for a brisk walk as well to enable MrEH to get his paper - thankfully that gusty wind has completely disappeared this morning. 

    Banks checked - the CC now shows a small positive balance ahead of a pending transaction clearing through at which point it will be an even more “positive” zero!  

    Entertainment here this morning has so far been provided by the council coming along and seemingly reversing a rather contentious piece of work they did a few weeks ago - I may have mentioned that they had made a decision to move our communal rubbish bins from the enclosed bin store that has served its purpose since 1956, to open fenced areas on the grassed amenity areas directly outside our windows. Bad enough for us, but worse for those on the floors above when the rubbish piles up in the summer because the bin men can’t be bothered to collect it (sadly this is a routine occurrence  here) and made worse by the fact that they planned to downgrade our bin capacity for general waste too - those bins are currently always full by the time the next week’s collection comes along. So a few weeks ago they came along and dug up several long strips of grass, prepared it and then poured concrete slabs (horribly badly, and without doing anything to stop the local yobs coming along and graffitti’ing in the not-quite-set concrete too). This morning a crew with a pneumatic drill have appeared and one of those slabs has now been reduced to a pile of chunks of concrete… talk about a waste of money! We wait to see if it’s just that one they are removing, or all of them! 

    Anyway - that pot must be soaked by now and the rest of that washing up won’t do itself, will it! 
    🎉 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
  • milann
    milann Posts: 11,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sounds like a real waste of money re the concrete slabs and rubbish- what are they thinking 🤬
    Enjoy your holiday - hope the weather is kind and the travelling a joy 👍
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you don't have a good waste service. Concrete situation sounds irritating too. 

    I agree with you about joyful exercise. I find the body balance class hard but really rewarding. I'm hoping to add in some more outdoor walking again soon. Depending on covid rates - I may also add in extra gym at some point but the risk didn't seem to outweigh the gain so far.
    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
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