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Escape to the country & living off savings

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Comments

  • KajiKita
    KajiKita Posts: 9,145 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I think receipts lurk because, before the digital age and access to our accounts online etc., we needed them 🤔🤷‍♀️

    Well done on the sadmin, the aqua fit and the food 😊 It seems, from here, that you are getting back into your life-rhythm again (albeit, a somewhat differently shaped one)?

    KK


    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • badmemory
    badmemory Posts: 10,198 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    I used to keep all my receipts for when the cc bill came in the post.  I now keep a spreadsheet version until I get the full bill.  I am not going to be the person that finds after 5 years some company has been slipping a bill in there.  The really annoying thing is that those till receipts do not go in the paper recycling
  • KajiKita
    KajiKita Posts: 9,145 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It really is intensely irritating how insurance companies deliberately hike renewal premiums. I think,it should be banned! Well done for challenging it. 

    I’m not a meat eater but that tea looks lovely 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Tresinia511
    Tresinia511 Posts: 320 Forumite
    100 Posts First Anniversary Name Dropper
    You dinner looks lovely.  The insurance is why you keep your bills pegged year on year, well done
  • SuzeQStan
    SuzeQStan Posts: 2,006 Forumite
    Fifth Anniversary 1,000 Posts Homepage Hero Photogenic
    Are you enjoying the air fryer SYA? Food looks lovely x
    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.

  • Skint_yet_Again
    Skint_yet_Again Posts: 8,795 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Thanks KajiKita, Suze and Tresinia 😊 

    I don’t really enjoy cooking Suze 😉 Im more of a bung it all in the slow cooker kinda gal 🤣 I’m just using the AF where I would have used the oven. Haven’t made anything different yet. I think it will come into it’s own in the summer when I don’t use my slow cooker and I can quickly cook chicken etc in it to have with salad without heating the house. I will buy a whole chicken tomorrow when I go to aldee and try it in the AF when I go to aquafit on Tuesday. Should be cheaper than a hot roast chicken from asd@. I take it they are safe to leave on when you go out??

    Cold morning again thermostat says 12.5 this morning but I’m still snug & warm in bed. The wolf moon is glowing outside. 

    Forecast today is -2 and sunny but not much wind so I might not wash as it would probably freeze on the line. 🥶

    Today I need to look at house insurance. Last year £176.02. Renewal £239.07 🙁 I used to enjoy getting deals on insurance but now it is a chore that makes me feel anxious. I will be glad to get it sorted then all insurance/ breakdown is done for another year. 

    Quick update 

    Monthly interest
    DIY pot 0.22p
    Living off savings pot £3.20
    Savings pots £2.01
    Regular saver (5k) £23.54

    I have transferred £23.54 into my current account. This will cover the gloves I bought during my trip to town 2 x £2 and £4.20 parking (cheaper than the bus) with a bit extra for January entertainment pot. The small amounts in other accounts can stay there. 
    ❤️Mum 2018
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗

    Retired at 55 & now living off the equity £10k a year

    ❤️Dad 2025

    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: 8,795 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Eek just looked up AF and Fire & Rescue say never leave unattended. May have to have a rethink 
    ❤️Mum 2018
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗

    Retired at 55 & now living off the equity £10k a year

    ❤️Dad 2025

    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
  • Arrietty
    Arrietty Posts: 189 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Good morning and Happy New Year!

    Food pics look delicious as always and for someone who doesnt' 'enjoy' cooking, you certainly make the best of of your ingredients, I would happily pop round for a meal  :D

    I haven't made any resolutions or declarations of intent for this year either.  2025 was pretty much survival, trying to work out where I'm going and how I'll get there and then sowing the seeds of that.  

    You don't have to have grand plans for every new year; especially if you already enjoy the life  you had before and now just need to make some adjustments to get used to the changes that 2025 brought.  

    I enjoy your diary because you do come across as someone who is living the life they created for themself and happy with it  :)

    You're a beacon of hope, determination and resilience.

    FDF savings target = £20k by 31 December 2027 ... 104 weeks to go!

    October 2025 = £8217.86 November 2025 = £9463.40 December 2025 = £9785.81

    January 2026 budget =£218.68 and 34 25 days remaining
  • Doris17
    Doris17 Posts: 990 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Eek just looked up AF and Fire & Rescue say never leave unattended. May have to have a rethink 
    There was a programme on AF on Channel 5 I think, just before Christmas., was an interesting watch, all the wrong things people do. They also gave good advice on the right things to do. Have a look, I imagine its still on catch up.

    "My Life Is About The Journey Not The Destination"



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