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Escape to the country & living off savings
Comments
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Thanks Tresinia and dia ☺️
My sister has returned home. Washing done and hung out this morning. Tidied up & then had a drive to get petrol. Called off at done elm & bought a king size quilt cover for when DS & gf come to stay half price £21. Also got a king size Duvet B&M £18. Have transferred money from household bills pot.Going into town with my friend tomorrow, she is driving and it’s her turn to buy lunch 😁 I need to pay some saved change into the bank and get a “new home” card for another friend. Then off to the coast on Friday morning.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/p16 -
The coast where I am is a bit wild, but still very beautiful. Glad you are planning a coastal trip.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) 25/07/20252 -
I have been preparing my budget for November and it is going to need to be a low spend month. I’ve been buying a few things this month mainly clothes, shoes, bedding, towels, oven liners plus extra petrol and meals out mostly covered by the interest/diy pot but I don’t want to fritter all that money away.Budget looks ok and I want to get back to the pool although I did bump into a lady from aquafit when I was out with my sister for Sunday lunch and she said it’s still freezing 🥶
I do need a new swimsuit as the colour and elastic is going in mine. I think it’s lasted about a year being used and washed about twice a week.NOVEMBER
Phone (sim-only) £10
Tv licence 14.95
Water 21
Council tax £106
Union £2.35.
Gas & Electric £63.63
Annual bills £120
Birthdays / Xmas £55
Car pot £50
Petrol £40
Entertainment £100
Food £160. (£40 x 4 weeks)
Aquafit £32.50
Income £833
Outgoing £775.43
Remaining £57.57
Today will be trip to town with my friend. Pay coins into bank & withdraw in notes for weekend chinese takeaway with my sister & family. Buy a card to take to my friend in Whitby. Home & pay roofer (from diy pot) £200. Load dads garden tools into my car ready to take to friend for her new home.
Hopefully the weather will be dry enough for a coastal walk dia ☺️
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/p17 -
Hey SYA - you’ve had a lot going on but the budget is still looking perfect as always - you are an inspiration 🥰
I think getting a year out of a swim costume that is washed twice a week is pretty good going. Where did you get yours from? I get mine from the discounters/cheapest online as have found dearer ones does not mean better quality or longevity in my opinion.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.1 -
Thanks Suze 😘 I have ordered from george asd@ £16. I think my last one was from there too. Free delivery to my local little store.Enjoyed my trip to town. Food was lovely & my friend paid. I got a card £2. Since getting back I have loaded the car with gardening tools & been up to dads for a visit to check all ok. Should be able to get up and go in the morning. The roofer has finished and been paid.Have arranged to go out with my friend next week when I get back. I will need to go to the post office to send original paperwork tracked to the probate office so we will go to the nearby spoons 😋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/p14 -
Good morning,
I have been reading your 'doings and updates' regularly but not had the opportunity to actually pop in.
Lovely to read that you are managing a mix of nice things and duty things.
Your budget is looking pretty good and I shall be joining you for a low-spend month!
Hope you have some sunshine
A xERF savings target = £20k by 31 December 2027 ... 108 weeks to go!
October 2025 balance = £8217.86 November 2025 balance = £9463.40
December budget £400.00
1 December : 136.27 and 17 days remaining4 -
Great the roof job has been doneIf 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) 25/07/20252 -
Thanks Arrietty and dia
Back from the weekend at my sisters and feeling a little low but DS has arrived for the evening which has cheered me up
Probate submitted online. Trust registered and closed & letter sent as instructed. Had a lovely walk with my sister along the seafront on Sunday the weather was bright and sunny.
Original will etc posted today. Went to lunch with my friend. Estate agent is coming on Friday to take photos. DS leaves in the morning then niece & little lad are coming for lunch. Thursday is clean & hoover at dads ready for photos. Will probably take some fresh bedding up and make the bed. I think it will make it look better in the photos. Also need to chop back buddleia in my garden. Only 2 more free green bin collections left this year. Was thinking of going to aquafit on Friday morning but feel tired so will probably leave it until next week. I need to go & collect parcel from asd@ and try new swimsuit and collect my meds from the chemist.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/p17 -
Sya I think the end of the year coming and the clocks going back definitely affects my mood. You have had quite the year so it's to be expected that you don't have much spare. But you are great at harnessing strength from the small pleasures in life and tomorrow is another day x7
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I agree with @Tresinia511 the change of clocks unsettles and affects mood.
You really are the queen of small pleasures!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) 25/07/20253
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