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Escape to the country & living off savings

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Comments

  • Skint_yet_Again
    Skint_yet_Again Posts: 8,621 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Thanks dia and Tresinia ☺️

    Meter readings have produced a new quarterly energy bill and I am £186.93 in credit. My year runs to 30 April 2026 so my account should be balanced by then unless I use more / less energy than last year.

    Next bill due January so will have paid another 3 x £63.63 so will have £377.82 credit by then. Last January bill £286.23.

    Last April bill £256.17 will have paid another £190.89 by then plus remaining credit £91.59 so £282.48. Obviously it depends how cold this winter turns out to be 
    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
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,621 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Eek I’ve just agreed to lunch out with my friend tomorrow and it’s my turn to pay. 🫣 Plus I’ve booked a table at the local carvery for me and my sister on Sunday. Have decided to treat us from DIY pot. Still have £1600 available to pay for solicitor/ radiator/ probate. Will hopefully be able to apply for probate next week once we have seen the solicitor on Monday. I have already withdrawn £200 to pay the roofer and £65 to pay for the EPC. 
    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
  • jwil
    jwil Posts: 22,532 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your lunch :)
    "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
  • SuzeQStan
    SuzeQStan Posts: 1,869 Forumite
    Fifth Anniversary 1,000 Posts Homepage Hero Photogenic
    edited 24 October at 12:41PM
    Wow it’s all go SYA!  Sounds prudent not
    going aqua today. And sounds a lot easier doing probate (2 words not normally uttered in the same sentence) than trying on your phone!!

    enjoy Whitby it’s one of my fave places on earth - would love to retire there near the cliffs in my dreams

    edit to say - had my flu jab last week and no ill effects with some very minor pain relief. Did make me sleepy tho!
    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.

  • doingitanyway
    doingitanyway Posts: 10,435 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    The trip to Whitby will be good for you. Isn't it Whitby that always wins awards for F&Cs?
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,621 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Thanks Suze I’ve been taking pain paras but have woken with a sore arm and snuffly nose this morning and can’t get back to sleep. 

    Not sure about Whitby f&c’s dia but I think they always taste better by the sea ☺️

    Having said that I had f&c yesterday for lunch, 2 meals and 2 drinks £28. Then popped to aldee and picked up chicken for tandoori tray bake tonight, gammon and cauliflower for Tuesday night with sister, milk & bacon & bread & coffee £21.76.  Will just need to pick up some cream for cauli cheese. 

    I have to go to dad’s for the EPC this morning. It was dry yesterday and windy so the small lawn at the back should be dry so I may give that a quick cut. Only takes about 10 mins. Next door do not look after their garden so I may have to discuss this with the solicitor. Dad never complained about it but one of the other neighbours has moaned to me about it. Not sure if this will put buyers off. I think this is what is causing a lot of my anxiety at the moment. 

    Weather forecast today is dry, cold, windy so I will wash & hang out bedding. 


    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
  • KajiKita
    KajiKita Posts: 8,534 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Unless next door’s is really bad I wouldn’t worry about it too much. It wouldn’t put me off buying a property. 

    And if it is really bad (as in harbourage for rats etc) then ask your local council EHO to pay a visit. 

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 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: 10,435 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I was looking for ages and a messy next door garden would not have put me off
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,621 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Thanks but think more dogs than rats. 😕 Will speak with my sister and we will decide what to do. 

    EPC man came round this morning and I am just waiting now for his email. Have just been relaxing & sorting washing and have written up questions for the solicitor. Need to be on the ball when we see them. 

    Early lunch was bacon and egg sandwich. I am making tandoori chicken with roasted courgettes, peppers, onions and butternut squash for dinner. 
    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
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