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EH - Essex > Hebrides...the next step of the adventure?
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Don’t worry it will rain soon as in a couple of weeks we are taking our GK’s away in a caravan for a break. Mind you this weather is too hot at the moment. This Saturday I’m meeting up with friends for lunch that I’ve not seen for a few months. Then having one of the GK’s over for a sleepover. So looking forward to Sunday where I have no plans. The other week when it was the other heatwave we were away with our little dog, we couldn’t go or do anything as it was too hot for the dog. Xx:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.002
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Enjoy your quiet weekend. Get some resting done in that time. You've been busy and you've got more busy-ness coming up.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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We all need a quiet recovery weekend sometimes. Still fun and relaxing in its own way.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 29/7/252 -
Enjoy your relaxing weekend EH. It's the best thing to do when it's this hot 🔥.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS2 -
Ooh what a lovely lot of visitors! Thanks all for stopping by - my down-time weekend has started with a lovely relaxing day today - some minor bits of housework, one load of washing put away, another hung out and the next one to the machine - finally getting to the end of the beer festival stuff! Also some photos sorted out this afternoon while binge watching Derry Girls - I’ve heard so many good things about it and it didn’t disappoint - very good!Decided that it was too hot to walk to Al’s to get anything for tea so raided the freezer - remembered we had burger buns, and I always have mince in there so big fat juicy HM burgers with finely chopped onions, topped with bacon and mozzarella cheese, plus chips. Very tasty indeed and all using stuff we already had so I’m pleased with that. Would have preferred not to have put the oven on but needs must. We do need to meal plan for next week though as we’ll need to shop tomorrow morning ideally - preferably before it gets too hot. It’ll be Al’s again too I think - seems little point in using the car if it can be avoided.A little bit of financial wrangling this morning too - just sorting out what we currently have going to various savings pots, and the dates the payments go out on. Also opened another current account ready to switch to F1rst D1rect in due course - which will earn me the switching bonus and also access to their regular saver of course - I think I plan to use that one for stashing some of the money I’m due from Auntie D’s estate - I may as well get the best interest rate I can on it. On our joint savings I rather think we have to be prepared for the possibility that the monthly amount saved might have to drop a little in the New Year to account for the increased fuel bills - we’ll see but it’s not impossible.🎉 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/her3 -
Your tea sounds lovely. I failed and we had a chippy tea.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1242 -
I love Derry Girls! My DD and I literally cry with laughter when we've watched it!🤣Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”2 -
Tea sounds delish.
I have the FD regular saver. No withdrawals allowed though so be mindful of that. Some of the other reg savers are kinder.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 -
I have all the ingredients for your tea too. That sounds delish indeed. How do you make the burgers? Just mince and onion then oven?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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girlatplay said:I have all the ingredients for your tea too. That sounds delish indeed. How do you make the burgers? Just mince and onion then oven?I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £203
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