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EH - Essex > Hebrides...the next step of the adventure?
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We do the train-friendly food thing when travelling. Kitty has been known to request "train picnic" when we travel back to my family in Norfolk. It's a 3 1/2 hour or something journey, and having some nibbles helps pass the time!#Frugal February : NSDs Target =16
Started here on 07 September 2017: Total:[STRIKE] £20,521[/STRIKE] £19847
Barclaycard: [STRIKE]£14659[/STRIKE] £14435 Oct 2017 HSBC Credit Card : [STRIKE]£3112[/STRIKE] £3012 Oct 2017
Overdraft: [STRIKE]350[/STRIKE] £0 Oct2017 MBNA : 2400
A journey of a thousand miles starts with a single step. I'm on my way!0 -
It's so nice to hear you sounding more like your old self. But please make sure you have plenty of tea as you travel through the countryside as we can all appreciate the healing qualities of the heavenly beverage.
Short breaks can have a really beneficial effect particularly when the weather gets colder. I can't believe the change in temperature in just a couple of days.
Whereabouts are you headed? Scotland is a beautiful part of the world. But let's face it, with the right people around you, it doesn't matter where you are
Have a great time
PaulineDon't get it perfect - Get it goingBetter Than Before0 -
T&K yep - LOVE a train picnic! :T
Pauline I'm not allowed too much tea at the moment as it inhibits the absorbtion of iron, so I'm meant to be avoiding tea around the time I take my iron tablets, and also around the time I'm eating anything iron rich...it's a disaster! :eek: Thankfully I cut down a lot when I first started having problems sleeping a couple of years back - otherwise I'd have been traumatised!
As for where - I'm off to Fife to visit one of my very best pals - not seen her in an age so we can't wait!! :T (Yes Beanie, Greying etc - i AM talking about who you think I am!)
Well the rogue bra is on its way back to Boux Avenue, and the refund has been processed in Matalan - directly back to paypal so I'll need to keep a check on when that goes back so i can extract it to my bank.🎉 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/her0 -
EssexHebridean wrote: »
As for where - I'm off to Fife to visit one of my very best pals - not seen her in an age so we can't wait!! :T (Yes Beanie, Greying etc - i AM talking about who you think I am!)
Was thinking that was who you were going to see Was going to politely request that, upon greeting, you add an extra large, extra squishy hug on behalf of 'Clan Greying' if you'd be so very kind
Greying XPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £268.51/£300
Non-food spend August 2025 £15.55/£50
Bulk Fund August 2025 £13.50/£100 -
So very proud to be a Fifer
So proud of our bridges too 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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Greying_Pilgrim wrote: »Was thinking that was who you were going to see Was going to politely request that, upon greeting, you add an extra large, extra squishy hug on behalf of 'Clan Greying' if you'd be so very kind
Greying X
I can do that Greying!
Ooh - Beanie you've just reminded me I'll see the third crossing for the first time! :T
OnePoll creeping up this morning (now at £36.20) but again nothing from Prolific.
MrEH got paid as planned (hurrah!) and the regular transfers have mostly left the account now so I did the VSP transfer this morning as well - we're over £400 in there for the year now! :T That money will pay car hire, spending money and food for our Hebrides winter break. It'll go up yet as well (I run it until 1st December) as I have a TCB payment coming through which includes the £30 from my car insurance.
Today will not be a NSD as I'm heading to the gym this evening straight from work, all being well. Also nipped into ThaT supermarkeT this morning to get some odds and ends including some stuff for the train picnic tomorrow - which reminds me, I MUST make a note to take those bits from the fridge before I leave tomorrow!🎉 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/her0 -
Without wishing to over-excite anyone, I just got a 68p 2 minute PA study... :rotfl:🎉 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/her0 -
EssexHebridean wrote: »Without wishing to over-excite anyone, I just got a 68p 2 minute PA study... :rotfl:
If it makes you happy :rotfl::rotfl::rotfl: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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Give that certain someone a sqidgy hug from us too! (It is who I think it is right? ):D4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!0
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Have a great trip to Scotland HE, I'm jealous
I haven't had much from PA this week or last week so far, but hopefully it will pick up soon.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 MONTHS0
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