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EH - Essex > Hebrides...the next step of the adventure?
Comments
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We’ve reached Lundy - I’ve wasted no time climbing the stairs to my happy place!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her9 -
I do like your cost per gym visit stat in your signature. Just think you could get cake and coffee for 2 and still be better off
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Great view , have a wonderful break.Life is an adventure, never stop exploring.3
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Fabulous view. Enjoy your time away. I'm sure you will.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 10/10/252 -
Enjoy. That blue sky lifts the spirits 😁January spends - £587.583
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I would be spending the whole holiday sat there.3
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🤣🤣🤣 I don't think that quite aligns but it has made me chuckle. A lot! 🤣mark55man said:I do like your cost per gym visit stat in your signature. Just think you could get cake and coffee for 2 and still be better off
Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here3 -
De-lurking to say how uplifting that photo is. I'll be in the Radio Room in a fortnight's time - can't wait!EssexHebridean said:We’ve reached Lundy - I’ve wasted no time climbing the stairs to my happy place!#2 Saving for Christmas 2024 - £1 a day challenge. £325 of £3663 -
So pleased you’re having a nice break and posting gorgeous photos. Keep them coming!What a complete waste of time and money with the bins – very annoyingDebt consolidation – I am so I’m yet to prove whether or not this is worked for us. THIS TIME. What I can tell you is that we did consolidate in the past, long before my lightbulb moment, long before I really understood how it all worked. And yes, it was a complete disaster. Within a couple of years, we completely rebuilt up the debt. I need these diaries to keep me on the straight and narrow, it frightens me how easy it can be to slip back into old spending habits using the same old excuses. I need it to work this time.Debt Jan 2017 = £42kMay 2022 = £15k4
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Thanks all - it really was a fantastic week but trying to get a data signal for much of it was impossible! That’s not unusual though!
Oh enjoy! That was one of the many properties our group had - along with Old House South, Old House North and Square Cottage (we’ve stayed in Square before too). I’d definitely highly recommend OLUP too - it’s lovely!JGB1955 said:
De-lurking to say how uplifting that photo is. I'll be in the Radio Room in a fortnight's time - can't wait!EssexHebridean said:We’ve reached Lundy - I’ve wasted no time climbing the stairs to my happy place!So - we’re home, and actually right back home too rather than in South Devon as we should be at this stage visiting MrEH’s parents. This is because yesterday morning I tested positive for Covid (the second of our group to do so) and was rapidly followed by another 4 with confirmed positives, and MrEH and one other with definite symptoms. We don’t know how it got there - probably a Tuesday day tripper though - but the 5 of us in our property almost certainly caught it from the first of the group to test positive. 3 more have had positives this morning too, so there’s likely to be a few more yet. It’s interesting - I tested on Friday afternoon as I’d forgotten in the morning (we had always intended to test on two consecutive days before seeing MrEH’s folks) and that was absolutely clear - not even a hint of a line. 15 hours later - good strong positive line almost immediately. 🤷🏻♀️ MrEH got the faintest of faint lines this morning but that was just confirming what we already knew! We were banned from the pub and shop yesterday (not though we would have gone in anyway in the circumstances!) and loosely quarantined on the boat back too. Thankfully it only happened at the very end of the week anyway - at the start would have out a right damper on things - as it was we had a wonderful time!Some more photos then…various lighthouse views for a start…
🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5
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