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Escape to the country & living off savings

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Comments

  • KajiKita
    KajiKita Posts: 8,146 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You are doing so well. Glad you have some restorative and for you coming up to look forward to.

    Hugs x

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 to date
    Fixed rate 3.85% ends October 2030

    Read 51 books of target 52 in 2025, as @ 17th September
    Produce tracker: £389 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • doingitanyway
    doingitanyway Posts: 10,217 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thinking of you too
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,161 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You've done a lot in a short space of time. Please make sure you're resting too x
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,552 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited Today at 6:44AM
    16.5 degrees this morning. Getting chilly but heating not on yet. I was lovely and toasty in bed but BHF are collecting dad’s furniture/ electrical donations today between 7-5pm so I have had to get up will walk round to his house shortly. Sad day 😢 but hopefully the donations will raise money for a good charity. 

    Yesterday I got one coat of woodstain done (took about 15 minutes) and washed out the freezer drawers ready for collection today so they no longer smell of garlic bread 🤭 All done whilst waiting for my niece and little lad to arrive. Then we went to nearby farm & restaurant where little one fed the animals 🥰 and I treated us to lunch. Had a lovely day so it was worth the cost as a one-off from the diy/emergency pot. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • SuzeQStan
    SuzeQStan Posts: 1,786 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    Stay strong SYA - you are doing a vital thing for BHF - sounds like a wonderful was had with your niece/littlun.  Maybe a rest later on for getting up and out so early today? Be good to yourself xx
    Lancashire
    PV 5.04kWp SW facing
    Solar Battery 6.5 kWh 
    🐙 Intelligent Go

    Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.

  • jwil
    jwil Posts: 22,288 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope it all goes well.  It's going to a great cause x
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • doingitanyway
    doingitanyway Posts: 10,217 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    You always have a lovely day when you are around the little one. Well done for getting your dad's house prepared so quickly
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,552 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Thank you Suze, jwil and dia 😘

    It was blooming cold this morning. I took my kettle up to dads and drank tea whilst waiting for BHF. They arrived around 8.30am and took most of the items. 😢

    We are still left with a couple of items of furniture so I phoned the insurance and they will allow minimal furniture to remain but it is not insured. This will give us breathing space until I’ve been to stay with DS. 

    Went home and rested until after lunch then went and put another coat of woodstain on dads windowledge & a bit on sawn ends of my fence. I also used one of dad’s drills and hung up my butterfly house 🦋 

    Bedding dried on the line. Stew from the freezer for dinner. Tomorrow I will hang out another load of washing and I have an estate agent coming late morning. Then I will get a bit of shopping to last until the weekend. Just some chicken thighs, milk, peach squash, bread. I have beef curry in the freezer and have lifted out some goose mince to make a chilli in the slow cooker then I will make a chicken & butternut squash casserole in my slow cooker on Thursday. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • SuzeQStan
    SuzeQStan Posts: 1,786 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    Well done on getting your DF’s home sorted & the butterfly house 🥰🥰 Glad BHF didn’t leave too much for you to have to deal with- I can highly recommend the free sites like Ol!o, fre@gle tr@sh nothing etc for passing on any furniture and bits to those who will happy to collect it and make good use of it, and prevent these things from entering landfill etc.  BTW food sounding lovely and you have reminded
    me I need to get some more peach squash!!
    Lancashire
    PV 5.04kWp SW facing
    Solar Battery 6.5 kWh 
    🐙 Intelligent Go

    Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.

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