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

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  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I can't (do) believe the power company issues that you have had!  What sagas indeed.  We're with 🐙 that's who we changed to when our old company (from the flat) wouldn't take us back.  We've been with them just over a month now.  At the beginning they said they would take an up front payment on a certain date as a deposit.  Fine.  Then changed the date to earlier.  Fine.  Then changed it to even earlier.  Still fine but make up your mind.  All three dates came and went and money stayed in our account.  Two days before the DD was due to come off I made a manual payment (I wanted to be in credit and had enough in the account if they still took the deposit). They have never taken that deposit.  Apart from that, they've been transparent, communicative around new tariffs and the discount.  Easy to provide readings.  Bill quickly.  Reply to emails (although a bit delayed).  I'm happy to stick it out with them as everyone seems to like them.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • You have the patience of a saint dealing with the utility companies , hope the outcome is favourable .
    Is an Oyster card cheaper than using my debit card in the underground ? . My DS has one night top it up if it is . 
    Always enjoy your photos , the Hebrides is beautiful, no wonder you love it . 
    Life is an adventure, never stop exploring.

  • foxgloves
    foxgloves Posts: 12,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Urrrghh - TOTM. One thing I absolutely do not miss at all! Be kind to yourself.
    F x
    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 6.8kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Foxgloves - I’m at the “will it appear or won’t it” stage each month now - skipped a couple entirely and this one arrived at day 41…let’s just say that I would have made an excellent scout as “be prepared” is very much my motto these days! 

    Gym done - and, as predicted once I was there it was fine, I’d go so far as to say I even  enjoyed it! Certainly felt like a decent workout - and I managed increased load or reps on a couple of things as well which is the aim. 

    There *is* such a thing as a free lunch too - in the shape of a mushroom stroganoff ready meal I inherited from my Dad…yes, really! It was one he had in their freezer and not something Mum would eat so she passed it to me, MrEH has had to buy lunch today as it was impractical for various reasons to take a packed one with him as we usually do, so rather than use a single roll from a set of two HM frozen ones I decided the ready meal May as well make an appearance. Not the sort of thing I’d buy, but tasty enough and a nice change!  We’re having treaty fish & chips tonight too so all in all a nice food day all round. 

    I’m getting odd jobs done here and there as I go around the place today. A tidy in the bedroom earlier including getting clothes that had accumulated on the chair that’s in there put away, a load of washing from the machine hung out, and another load now in the machine ready for tonight. The second mechanical time switch set up for the Vacuum cleaner battery charger so it will automatically charge an empty one overnight. A bit of dusting. The rubbish taken out - including the vacuum cleaner box as it would appear we’ve decided it’s OK and we’re keeping it!. Bathroom sink cleaned and I’ve established that the long term drippy leak from underneath it is getting significantly worse so that needs a look at this weekend I reckon. There’s always something isn’t there! Oh and I’ve finally got round to opening the FD bank account I’ve been banging on about for ages and requesting a switch of the spare Sant-And-Er account to it, need to make a note to transfer the required sum into it at some stage and hopefully that should see £175 in free money hit it once the qualifying period ends. All in all in spite of it all being small stuff I’m feeling suitably productive, so I think now a brew, some non-challenging TV and some more photo processing is in order! 
    🎉 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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the plumbing 

    Good luck with the account switching - energy and bank

    Have a lovely weekend. 

    On the stroganoff - nice to think of your Dad still providing for you now.
    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
  • A ping earlier for me to say that Mark Us has gone to 2%. I've sworn never to touch the S-Der bank again or I'd be jumping over. 

    I bought a finned upright hoover. It's really rather good, thank you to everyone who recommended it. 
  • SH hopefully the bank switch will go as well as the energy one did - that was seamless! The bank one won’t be an issue in terms of the account going over as it’s the secondary account in Sant that I’ve switched and I don’t use it for anything! 😂

    Redo I spotted the Mark Us email earlier - I confess I thought “hmmm, must try harder” and gave them a mental D- (in red pen of course). At the moment we still have money in there, but I’m now actively looking for the next option for it doing better for us - I’m reluctant to use my Sant 2.75% account for it as I’d prefer not to muddle the money from my Gt Aunt with our joint savings too much. 
    🎉 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
  • foxgloves
    foxgloves Posts: 12,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    A tidy bit of plumbing there, @EH!
    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 6.8kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
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