Woohoo!

elantan

L9XSS said:

Working later today so getting a few jobs done this morning at home. Tax rebate arrived, which I’m pleased about and I paid this straight into my SIPP. Now the mortgage has gone this is my focus. Checked my credit score and it’s dropped, due to having no active mortgage......which I understand, still seems weird though. Anyway our 15 year old car passed its MOT with some small advisories which I will get done at some point. The other car.....it’s younger sister (LOL) at 13 years old is done e it’s MOT in April. Weather here in Scotland is lovely today, spent time at the allotment yesterday putting the glass into our greenhouse frame. Picked some wild Raspberries which were delicious. Busy day yesterday but very good for the soul.

the raspberries blackberries and blae berries ( although they are thin on the ground) are lovely just now

found some snowberries the other day, didnt eat any as I wasnt brave enough in my recognition of them, but I was so tempted

Well done on the tax rebate, good way to spend it :-) 

L9XSS

Janey_Suth68 said:

That's amazing - well done! 😁

Thankyou for your kind words. Yes we’re  enjoying being Mortgage free and having some more disposable income. It’s hard to spend when you have been relatively frugal the last 5 years or so.......

L9XSS

elantan said:

L9XSS said:

Working later today so getting a few jobs done this morning at home. Tax rebate arrived, which I’m pleased about and I paid this straight into my SIPP. Now the mortgage has gone this is my focus. Checked my credit score and it’s dropped, due to having no active mortgage......which I understand, still seems weird though. Anyway our 15 year old car passed its MOT with some small advisories which I will get done at some point. The other car.....it’s younger sister (LOL) at 13 years old is done e it’s MOT in April. Weather here in Scotland is lovely today, spent time at the allotment yesterday putting the glass into our greenhouse frame. Picked some wild Raspberries which were delicious. Busy day yesterday but very good for the soul.

the raspberries blackberries and blae berries ( although they are thin on the ground) are lovely just now

found some snowberries the other day, didnt eat any as I wasnt brave enough in my recognition of them, but I was so tempted

Well done on the tax rebate, good way to spend it :-) 

Yes, still able to pick fruit quite late into the year. Hopefully now our greenhouse is nearly there we can start reaping the benefits throughout 2023. A weeks holiday coming up shortly, your photos of “beautiful Scotland” have inspired me to get out and about in the central belt, Perthshire etc, so once I’m back from  visiting family in England then that’s what I’m going to do.

elantan

L9XSS said:

elantan said:

L9XSS said:

Working later today so getting a few jobs done this morning at home. Tax rebate arrived, which I’m pleased about and I paid this straight into my SIPP. Now the mortgage has gone this is my focus. Checked my credit score and it’s dropped, due to having no active mortgage......which I understand, still seems weird though. Anyway our 15 year old car passed its MOT with some small advisories which I will get done at some point. The other car.....it’s younger sister (LOL) at 13 years old is done e it’s MOT in April. Weather here in Scotland is lovely today, spent time at the allotment yesterday putting the glass into our greenhouse frame. Picked some wild Raspberries which were delicious. Busy day yesterday but very good for the soul.

the raspberries blackberries and blae berries ( although they are thin on the ground) are lovely just now

found some snowberries the other day, didnt eat any as I wasnt brave enough in my recognition of them, but I was so tempted

Well done on the tax rebate, good way to spend it :-) 

Yes, still able to pick fruit quite late into the year. Hopefully now our greenhouse is nearly there we can start reaping the benefits throughout 2023. A weeks holiday coming up shortly, your photos of “beautiful Scotland” have inspired me to get out and about in the central belt, Perthshire etc, so once I’m back from  visiting family in England then that’s what I’m going to do.

if your ever looking for company and I'm free I'm up for a wee meet up :-) 

L9XSS

elantan said:

L9XSS said:

elantan said:

L9XSS said:

Working later today so getting a few jobs done this morning at home. Tax rebate arrived, which I’m pleased about and I paid this straight into my SIPP. Now the mortgage has gone this is my focus. Checked my credit score and it’s dropped, due to having no active mortgage......which I understand, still seems weird though. Anyway our 15 year old car passed its MOT with some small advisories which I will get done at some point. The other car.....it’s younger sister (LOL) at 13 years old is done e it’s MOT in April. Weather here in Scotland is lovely today, spent time at the allotment yesterday putting the glass into our greenhouse frame. Picked some wild Raspberries which were delicious. Busy day yesterday but very good for the soul.

the raspberries blackberries and blae berries ( although they are thin on the ground) are lovely just now

found some snowberries the other day, didnt eat any as I wasnt brave enough in my recognition of them, but I was so tempted

Well done on the tax rebate, good way to spend it :-) 

Yes, still able to pick fruit quite late into the year. Hopefully now our greenhouse is nearly there we can start reaping the benefits throughout 2023. A weeks holiday coming up shortly, your photos of “beautiful Scotland” have inspired me to get out and about in the central belt, Perthshire etc, so once I’m back from  visiting family in England then that’s what I’m going to do.

if your ever looking for company and I'm free I'm up for a wee meet up :-) 

Sounds good, thanks!

L9XSS

Ok couple of NSD since return from my mini break. EF at £1950. I would like to get this to £2500 before Xmas (boiler concerns and some car repairs.....). So I’m focussing some of the discretionary money after bills towards savings and pause SIPP payments for a few months, if there are some spare £s then they will go into the SIPP pot. Back to work at the end of the week. I’m projecting my SIPP to be around £175k in 4.5 years if all goes to plan.
im drawing cash at payday rather than “tapping my contactless card”. First month of doing it and all has gone well. Not overdrawn since Mortgage was paid off so budgeting and enjoying life is going well. Back to the gym this week. Garden needs some attention but mostly rain earlier this week so has held me up. Youngest is looking forward to Halloween!

savingholmes

Let us know how you find going back to cash. I personally find it harder to track - although I have done the 'cups' / envelope method in the past and that worked well if I stayed disciplined but... 

L9XSS

EF raided for purchase of car parts. Just short of £200 spent on eBay but needs doing. If I get another 4.5 years out of this car I will be happy. With the work required (brakes, caliper, discs, front and rear) I’m budgeting for about £600). It’s our main family car, though we are fortunate we have 2 other cars to rely on. I look at it this way, it’s just short of the 2 monthly payments I was making on a brand new car a year ago (which I sold when car prices escalated quickly). 

Poppycat1

I've been away from the forums for a while so didn't see your great news L9XSS - congratulations.  You have done so well.  I have just had to go from a 1.99% interest rate to 4.34% so need to get back to working towards mortgage freedom.  I'm feeling inspired after reading your last few pages.

L9XSS

Poppycat1 said:

I've been away from the forums for a while so didn't see your great news L9XSS - congratulations.  You have done so well.  I have just had to go from a 1.99% interest rate to 4.34% so need to get back to working towards mortgage freedom.  I'm feeling inspired after reading your last few pages.

Thankyou! I will follow your posts. Very best of luck with your journey.