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

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  • Doesn't stew always taste better when you're using the 2nd lot?  So much thicker & more flavour. I batched cooked a whole lot of mince & veg the other week & froze it in portions, then made dumplings for one lot the other night,,,,very filling comfort food. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Doesn't stew always taste better when you're using the 2nd lot?  So much thicker & more flavour. I batched cooked a whole lot of mince & veg the other week & froze it in portions, then made dumplings for one lot the other night,,,,very filling comfort food. 
    Oh my yes, it really does. I'd say the same for curry too - the flavours just deepen!  You've reminded me how nice savoury mince type things are too - I might well do something along those lines for my next batch cook! 
    🎉 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
  • Yes mince is so easy and versatile. I use turkey or pork. Yuk to curry though......lol
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm another who likes the flavour if its allowed to steep for longer.
    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
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello all - and here we go again with another new PM - let's hope this one lasts longer and is rather more efficient than the one we've waved goodbye to, eh?! 

    Lovely trip to Grantham on Saturday - the meeting we were there for went well (possibly better than we thought it might in fact) we seem to have had some productive discussion too. There was spending - but we knew that - the diesel will be claimed for in expenses but the hotel bill, beer festival entrance, food and beers are all down to us as it reasonable. It'll be a straight 50/50 split of costs between us I think. We're off again this weekend for a long planned trip to Norwich - the accommodation is already settled on that one, and we're making a mental note to book it in better time for next year's trip as it ended up rather pricier than we'd like. Our own fault for leaving it too late mind you. That trip will involve seeing a fair few of the same people we spent time with in Grantham too, which will be nice. I'm also hoping to see one of my very best friends while I'm there - although he may yet now be able to make it along, we'll see how that goes. 

    Elsewhere then - MSE-ish stuff. I rather think that we're going to have to accept that UW are going to get one over on us with the full value of the amount due to us coming back - it's annoying, and clearly the chap from the EO office is equally as hacked off about it, but they are just making things entirely impossible to make ANY sense of at all. Their latest thing is claiming that a credit amount shown on a bill "doesn't mean that amount has been paid, just that it should have been" - they are also claiming that there was a failed DD early on in proceedings - of course they feel safe to claim this as it was at the same time as our bank account switch was happening - it definitely didn't happen though, I just can't prove it! Hopefully the investigating officer at the EO office does now understand how and why they never actually gave us the £25 goodwill credit though  so fingers crossed we'll get that...it would be nice to think that what we get back does actually cost UW something on top of them just returning our own money to us!  I certainly have my original stance that they seem to be deliberately making things difficult to follow/understand so that people get confused confirmed though as the EO officer was in full agreement about that! 

    Grocery spending is under control - we're at £128/£200 currently with one more veg box and two more weekly shops to come - the freezer is absolutely rammed though so that sorts out the "building blocks" for the next fortnight's meals with us just needing basics hopefully. I did the "cook once, eat twice" thing with a cauli & pasta cheese bake cooked on Sunday evening - that fed us last night, and will feed us again probably tomorrow I think. Tonight is omelettes - that will use some of the remaining bacon from the pack I opened to put some in the bakes, and the last of that will get used for liver & bacon on Thursday. I'm trying to make use of the concept of "rolling ingredient plans" again too - so that a thing bought for one meal then rolls over into several others - an example being this week that bacon, and also that the big box of eggs bought for the omelettes will do a tortilla next week, and probably sandwiches for lunch at the tail end of next week too. 

    Spendiness: The flooring for the hallway - did I mention that already? It got ordered last week and has been delivered today - which reminds me, I must let the flooring chap know it is with us now. That was a bit of an ouchy spend and of course there is still the installation to cover as well but it will be SO lovely when it's done! On a more minor level I ordered a pack of little coin sized batteries for my bike lights - albeit having done so I discovered that the lights actually come with a spare battery already in them - still, I'll need to make sure that there is still a spare in place, and the same size batteries also feed our kitchen scales, so still a needed purchase. A grand total of £4.59 there anyway so not bank-breaking! 

    Tonight's task - to get last month's CC bill sorted out finally and establish exactly what's needed to balance it off. Might also sort the flooring and the weekend just gone's spending off it as well. 
    🎉 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
  • lucielle
    lucielle Posts: 11,512 Forumite
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    Sounding as busy as ever EH.  I'm trying to use more food items in different ways but do get fed up cooking the same thing but too lazy to find new things!
    L
    Total 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 #124
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Interested to read about your meal rollover plans. 

    I'm struggling to make myself cook this week. Think will end up freezing some of mine which is frustrating. 

    The flooring is a great investment I'm sure. 

    Ouch to on-going saga with UW
    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
  • foxgloves
    foxgloves Posts: 12,613 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm also a fan of rolling ingredients into further meals, @EH. I think it's a good way of making sure they are used efficiently. 
    Today I managed an entirely 'free' meal. I made a fish pie (smoked haddock & leek, as per meal plan) & when I came to put it in the pie dish, there was too much mixture..So I added extra potatoes to up the quantity of mash & made two pies. I do want plenty of gardening time tomorrow, so having dinner rtg will be a bonus.
    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)
  • foxgloves
    foxgloves Posts: 12,613 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 26 October 2022 at 3:36PM
    I'm having a renewed 'push' on surveys atm, @EH. I'm going for JL vouchers where possible ("turkey tokens" which need to be primed & ready for Christmas Eve's pick-up) & both Mr F & I do P/A surveys & add the earnings to our respective Personal Spends amounts. I'm up to over £40 for cashing out this month, with last month's £20-something still waiting in Paypal. I've just missed a £9 survey this afternoon....I've got the tab open on my screen, just in case it reappears.....I find the long ones occasionally do - I suppose people begin taking part, then have a distraction or incident to deal with & can't get back to it. If it reappears, I'm on it! 
    My recent CC statement was also a muddle but both 'problems' turned out to be due to my grey cells having a bit of a 'moment'. Firstly, a payment I'd made didn't make it onto the current statement, but will be on the next one, so I was correct in my initial assertion that 'no way do I owe that!' For the other issue, I was very glad of my 'CC payment log-sheet', which I fill in whenever I make a payment to a credit card. It sometimes feels like a faff when I'm doing it, but the reality is that it takes me all of a minute or so & regularly comes in useful if I want a quick, definitive check as to which items I have paid off. Payments obviously just show up as a credit amount on a statement. I can check back to my log sheet & see that when I paid across, say £77.35, it included grocery shop Week 1, a pharmacy, coffee shop, compost & bulbs, etc. 
    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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