We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1256257259261262311

Comments

  • beanielou
    beanielou Posts: 96,799 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    We raised a toast to my dad at my mums 80th  :)
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,463 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I lost my mum almost 22 years ago and still think about her every day. The first year is the hardest. Once you can no longer say this time last year … it becomes a little easier. My thoughts are with you at this sad time. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • EssexHebridean
    EssexHebridean Posts: 24,757 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Absolutely agree Foxgloves - even better is that a lot of stuff will make it’s way to the hospice shop and the team st the hospice have been wonderful over the past few weeks. We’ve supported them for a long while anyway as they were marvellous years ago when my great uncle was ill too.

    I’ve had a stupidly active day today one way and another. A three mile walk first thing, then just over 2 miles cycling to the gym, my gym session, another 3 miles cycling to Mum’s, a bit over 2.5 miles back to home, and then finished off with a 1.5 mile walk to/from Al’s for shopping. 7 different activities in total and over 14,500 steps so far - phew! It does feel good to have been moving so much though- definitely an antidote for the more mentally taxing stuff that’s going on at the moment, too.

    Grocery shopping is done - £12.57 spent in Al’s which I’m delighted with - it even included a couple of storecupboard bits and some items that will get factored into multiple meals, too, so what a win! 

    Tomorrow will be about getting bits and pieces done I think - we have some coin to pay into the bank so that will probably be done first thing, then the rest of the day may just end up in pottering - and if so, I’ll happily take that. 
    🎉 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
  • milann
    milann Posts: 11,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    EH I’m tired just thinking about your activities today. 
    I’m sure the hospice will appreciate anything that gets sent their way……they do incredible work 👏👏

    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow that's a lot of activity. Sounds like you have recovered your fitness. I hope it helped too in other ways
    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 10/10/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.