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EH - Essex > Hebrides...the next step of the adventure?
Comments
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Enjoy all your holidays and trips - sounds lovely to look forward to.
Definitely take it easy in the heatwave.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 29/7/251 -
Bet your counting the days to your Hebrides jaunt. I'm off to the Highlands in a fortnight and really looking forward to it!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”2 -
The grocery budget result is definitely a win, no matter how you got there!
Exciting having more trips to look forward to.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Mm smoked almond pesto, sounds glorious.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
Annoyingly I can't find a recipe that looks right for the pesto - I'll keep looking, though. I also need to make another batch or the pesto I made the other week as I used the last blob of that last night in a pasta salad - I'll have to scoot back on here to see how I made it - although I recall it involved sunflower seeds in place of pine nuts...
Slowly getting there with the Hebrides trip prep - MrEH booked the way-back overnight stop yesterday and I've just transferred the money for both the single night stays over to the CC. A job for tonight/the weekend is to get space sorted in the spare room to be able to start packing the hamper we use to take things like maps, kitchen stuff, random foods and small items etc - honestly, we'll be lost when that hamper falls apart as it's been incredibly useful for probably 15 years plus now!
I'd also asked MrEH to confirm what the outstanding balance and end point for the zero rate is on the 0% card - looks like it finishes in the new year and should be at just over £800 outstanding by then. My sneaky plan is to use money from the car costs account to clear it as that will be well in surplus by that time, and it'll still have 6 months to go before money for insurance renewals is needed, so just servicing costs on my car to worry about in the interim, plus any extra maintenance that's required. My car insurance comes out in a couple of days and MrEH's has already been paid.
I'm going to transfer £200 from the food account to the holiday fund to top that up rather than transferring money from accounts with higher interest being earned - our "random trips" account is also looking relatively healthy at the moment, so some of that might also be transferred across to the holiday fund I think as that too is earning very little interest. We might do a few days away over the period between Christmas > New Year, but we'll see. (And on that note, have just started researching some possibilities...!) If we do then the "random trips" account will fund that, too.
I confess I am most definitely looking forward to my working week coming to a close tonight - and having a weekend where we have very little planned and will be able to take some proper down-time too. I'm very much flagging now! Got a few short weeks coming up too which will be handy - remembered this morning that there is a bank holiday Monday in the mix, too.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
Enjoy your chilled weekend.You’ve got lots to loo, foreword to there 👍January spends - £587.582
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Enjoy your chilled weekend.
Nothing planned for us this weekend either. It will be too hot for the dog to go anywhere in the van so we are just going to chill out at home with absolutely nothing at all planned which is highly unusual for us.
Last year was the first year we have been away between Christmas and New Years and we really enjoyed it so we have booked to do something again this year. This year we are heading up the East coast visiting Amble, Bamburgh, Eyemouth and the back down again to South Gare and Staithes.2 -
We've not planned anything for this weekend as neither of us enjoy hot temperatures. We'll pop into town & probably stop for a coffee somewhere with a shady courtyard, but have decided it's going to be too hot for the outing we'd planned. No worries, as always plenty of leisure activities to enjoy at home. I'm doing lots of reading atm & we can always close the front curtains to keep the sun out & pretend we're at the cinema as plenty of films to watch too. really hoping for one of these forecast storms on Monday & a whole lot of rain would be fab.
F2025'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 6.8kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)5 -
foxgloves said:We've not planned anything for this weekend as neither of us enjoy hot temperatures. We'll pop into town & probably stop for a coffee somewhere with a shady courtyard, but have decided it's going to be too hot for the outing we'd planned. No worries, as always plenty of leisure activities to enjoy at home. I'm doing lots of reading atm & we can always close the front curtains to keep the sun out & pretend we're at the cinema as plenty of films to watch too. really hoping for one of these forecast storms on Monday & a whole lot of rain would be fab.
F3 -
Enjoy your relaxing weekend! 😁 your trips sound great!DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'2
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