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

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  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are both now in the recovery phase of covid.

    Sorry your Dad is in hospital. Sounds a difficult situation. 

    Well done on all your plans. Glad the new yarn arrived in time.
    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
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear about your dad and glad you are both recovering. 
    I love forget-me-nots so I'm sure spreading those around the neighbourhood will be appreciated!
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Cheery_Daff
    Cheery_Daff Posts: 17,260 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love forget me nots 😊😊😊 Haven't got any here, I'll have to sort that out!
  • foxgloves
    foxgloves Posts: 12,644 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @EssexHebridean - I couldn't remember if I'd mentioned the name of Dad's lung disease in my diary or not. There's not much I don't know about its trajectory & difficulties getting a prompt diagnosis & drug treatment. 

    Digging out compost bins always takes way more effort than I think it will. Love the free finished product though!
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 7.7kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
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    Hey DFW gang - hope everyone’s weekend has been OK! 

    SH I was glad about the yarn too - definitely better than having nothing to do! 

    Rosa Forget-me-nots are lovely but my word do they spread! We’ve now got all those in the veg bed dug up and a good number relocated, but I know that this time next year we’ll be doing the same all over again! Cheery I wish I could send you some of ours but they’re rather straggly and droopy ones - I’m not sure they’d survive the posting! (And at the moment the packaging would likely be all covidy as well, come to think of it!) 

    Foxgloves you did, and I have to say it is strangely rather a comfort knowing that there is someone out there who understands about it - it’s a relatively unusual diagnosis still I think. Dad is at 6 years since diagnosis now but until, the last year he’s not been too badly affected by it. Sadly that’s all changed now, and dramatically so over the past few months.  And yes - the compost bin was heavy going but so rewarding to have a sack of lovely rich (and worm-filled!) compost for use AND space in the bin again! 

    I think I may have rather reaped the results of overdoing it a bit yesterday as I woke up this morning feeling pretty rough again - my first cuppa of the day reappeared nearly as fast as it was consumed and this morning’s LFT was more solidly positive than yesterdays was. Oops. Today has, consequently been taken at a rather more measured pace. A walk - shorter and slower than yesterday. Some garden stuff, but MrEH has done the majority of the heavy digging - I got the veg bed cleared, tidied up my lovely Sage bush, cleared back the rubbish he was digging out and generally directed operations. 😁 

    We sat down this morning and went through the quarterly review of finances - a new savings account agreed on (the new Sant-and-er 2.5% Reg Saver) and also the means of funding it - withdrawing a lump from long term savings currently paying a lower rate. The funding account is a limited withdrawals one so we will withdraw from that in one go so only using one of our allowed withdrawals. We’d discussed stopping payments to our N@tionw1de Statt-to-save accounts to fund one of the new ones but that’s still earning a higher rate of interest than the one we’re raiding. Other than that everything looks roughly where it should be with the exception of our Household pot which is a little low. This is where the one-off and occasional expenses come from - home insurance, water filter cartridges, bird food - that sort of thing - and with a big purchase of bird food a few weeks back, a new water filter and cartridges shortly before that, and a few other items it’s leaving us a little closer to the wire for the contents insurance in August than we’d like. The solution as agreed to is an additional £10 a month  to be fed in, going forwards. I’ll make the adjustment to the transfer in the next few days. 

    Lovely roast garlic chicken dinner earlier - I’ll need to rubber-chicken the carcass tomorrow but I expect to get at least another two meals from that. Might freeze the carcass for stock making in due course too - I break it down so it takes up less space then it’ll get chucked in with another one in the future. I also used last week’s remaining duck fat for the roasties which were gorgeous! 

    WM and DW went through last night - a load of towels drying outside, thank goodness for the warmer weather meaning not even needing a 30 minute burst in the tumble drier - when drying indoors I have little choice as it just takes so long to get heavy stuff like the big bath sheets dry otherwise. Definitely want to avoid it as much as possible with the energy prices as they are, though! On that subject I’ve read the electric meter tonight and popped the readings through - I’ve no doubt they will still manage a fictitious estimate at the end of the month but at least I’ve tried! 

    Now - a cuppa and some crochet before bed I think. I’m assuming I’m not back in the office tomorrow - I will have a chat with MrBoss at some time during the day I expect to find out how he wants to play it if I have a few more days of positive LFTs. 
    🎉 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
    Hope you have a clear result 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
  • Cheery_Daff
    Cheery_Daff Posts: 17,260 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Urgh, hope you're feeling properly better soon xxx and no, please don't send me the plague in the post! 😮😂 😊 Glad you got a bit of garden pottering done 😊
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You sound a busy bee whether stuck at home or not. Glad you are enjoying the yarn still
    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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