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

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Comments

  • foxgloves
    foxgloves Posts: 13,345 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I believe that technique of division is called 'layering', @milann. I've used it with penstemons in the past, pegging a juicy looking stem down horizontally with a hairpin. Got to love a free plant!
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • milann
    milann Posts: 11,767 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    edited 30 May 2022 at 11:05AM
    That’s the word I was looking for😁thanks Foxgloves….twas on the tip of my tongue 👍
    im about half way through your diary…..loving it 😁
    January spends - £587.58
  • foxgloves
    foxgloves Posts: 13,345 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You're welcome. Thank-you for your nice comment about my diary. I just wanted to show that even long-term financial idiots can change their ways.
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love winter jasmine too.


    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • milann
    milann Posts: 11,767 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Enjoy your dads music 👍
    January spends - £587.58
  • amber03
    amber03 Posts: 1,492 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I heard on the radio the other day that they aren’t making I pods anymore. Keep hold of it, it might become a family heirloom one day. I have mine still and since I don’t have any other heirlooms I will treasure this one “just in case”.xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • beanielou
    beanielou Posts: 99,774 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    How awesome to listen to your dads music  :love:
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely to have his iPod and like the music
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
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