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Escape to the country & living off savings

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Comments

  • Tresinia511
    Tresinia511 Posts: 395 Forumite
    100 Posts First Anniversary Name Dropper
    Sya, thai green curry ๐Ÿ˜‹๐Ÿ˜‹๐Ÿ˜‹ I forget,ย  where did you get all your goose mince from?, it seems to have lasted a long time
  • Skint_yet_Again
    Skint_yet_Again Posts: 9,056 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Itโ€™s new goose mince Tresinia from my b-in-law at Christmas ๐Ÿ˜Š

    No fresh snow here this morning but it looks very icy. I should have put the windscreen cover on my car. It looks like I will be de-icing later ๐Ÿฅถ

    Aquafit this morning. Hope itโ€™s warm ๐ŸคžSome more sadmin and some batch cooking later. Off to my friends for a cuppa this afternoon. Snow forecast from 5pmย 

    Dadโ€™s online energy account is now showing the bill has been paid. However it appears that we can only set up an estimated direct debit of ยฃ57 a month. I would have liked to set up an actual direct debit to pay the actual amount monthly as per the smart meters but this is not an option so I will just check for his bill monthly and pay online. At least itโ€™s simple and quick and I donโ€™t have to read the meters. In fact I donโ€™t actually know how to read a smart meter ๐Ÿ˜ฌ
    โค๏ธMum 2018
    0% credit card ยฃ1360 & 0% Car Loan ยฃ7500 ~ paid in full JAN 2020 = NOW DEBT FREE ๐Ÿค—
    House sale OCT 2022 = NOW MORTGAGE FREE ๐Ÿค—
    House cash purchase completed FEB 2023 ๐Ÿฅณ๐Ÿพ & left work. ๐Ÿค—

    Retired at 55 & now living off the equity ยฃ10k a year

    โค๏ธ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
  • Tresinia511
    Tresinia511 Posts: 395 Forumite
    100 Posts First Anniversary Name Dropper
    ๐Ÿ˜ฒ๐Ÿ˜ฒ๐Ÿ˜ฒto ceiling collapse! Omg how scary and ridiculous that could happen in such a place.ย  These things are usually because someone isn't doing routine checks or maintenance,ย  very alarming.ย  I went along to my gym today,ย  it was closed due to a problem with the mains water.ย  The whole gym,ย  classes,ย  swimming, the lot of us turfed out unceremoniously, a bit annoying but rather safe than sorry.ย 
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Maybe 9.5โ€™ overnight is right dia if you are only heating to 15โ€™. Mine is down from 18 to 12.5. Thermostat is set to 17.5 but residual heat takes it up to 18. I would struggle at 15โ€™ unless I was doing something active like exercise or hoovering. According to my weather app itโ€™s meant to warm up to 8โ€™ on Sunday ๐Ÿ๏ธ ๐Ÿฅต ๐Ÿ˜‚
    I bet if you had an electric throw while you were relaxing you would be fine at 15 ' I love it. A definite game changer. Without it I too would need to be moving about or have the heating a bit higher. I sleep with it on top of the bed too. Sooo cosyย  :) Lidlees have a double electric blanket coming up for ยฃ25 and I am tempted to buy one each for the guest rooms as apparently they use 4p an hour.ย 
    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • Skint_yet_Again
    Skint_yet_Again Posts: 9,056 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Just parking this list here to try and motivate me to start to work through it tomorrow / next few days

    1. House insurance renewal (mine)
    2. car breakdown renewalย 
    3. phone building society (sadmin)
    4. Phone tax office (sadmin)
    5 phone dwp (sadmin)ย 
    6. bring dining chairs out of my bedroom (maybe put in spare bedroom)
    7. Once number 6 done can get to storage wardrobe in my bedroom & put away Xmas tree & decs etcย 
    8. Cut up Christmas cards for tags next yearย 
    โค๏ธMum 2018
    0% credit card ยฃ1360 & 0% Car Loan ยฃ7500 ~ paid in full JAN 2020 = NOW DEBT FREE ๐Ÿค—
    House sale OCT 2022 = NOW MORTGAGE FREE ๐Ÿค—
    House cash purchase completed FEB 2023 ๐Ÿฅณ๐Ÿพ & left work. ๐Ÿค—

    Retired at 55 & now living off the equity ยฃ10k a year

    โค๏ธ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: 9,056 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Maybe 9.5โ€™ overnight is right dia if you are only heating to 15โ€™. Mine is down from 18 to 12.5. Thermostat is set to 17.5 but residual heat takes it up to 18. I would struggle at 15โ€™ unless I was doing something active like exercise or hoovering. According to my weather app itโ€™s meant to warm up to 8โ€™ on Sunday ๐Ÿ๏ธ ๐Ÿฅต ๐Ÿ˜‚
    I bet if you had an electric throw while you were relaxing you would be fine at 15 ' I love it. A definite game changer. Without it I too would need to be moving about or have the heating a bit higher. I sleep with it on top of the bed too. Sooo cosyย  :) Lidlees have a double electric blanket coming up for ยฃ25 and I am tempted to buy one each for the guest rooms as apparently they use 4p an hour.ย 
    Thanks dia ๐Ÿ˜Š I don't feel cold at night in bed so have never fancied an electric blanket but they sound like a great idea for your guests. I know if my house gets cold for any length of time it will start to smell damp & fusty and I will need my dehumidifier on more. When I got back from my sisters after Christmas it was 9.5โ€™ inside and smelt & felt damp.ย 

    Itโ€™s 14 degrees on my thermostat at the moment after the heating being off since 10pm so itโ€™s a bit warmer today but it felt cold when I got out of bed just now to nip to the loo !! ๐Ÿฅถ Heating will be on shortly. I know I am lucky to be able to pay for heating but I donโ€™t have holidays or broadband/ tv packages so I prioritise my heating bills instead. I pay my council tax over 10 months so the money in my budget for the other 2 months can be used as a buffer if necessary.ย 

    I am feeling very achy today which I think is from a very energetic aquafit session yesterday. My app shows the pool lane swim is currently in session so it looks like business as usual despite the ceiling collapse yesterday ๐Ÿ˜ฌ I will see if we get the forecasted snow on Thursday before booking Aquafit for Friday. I would have liked to go to my sisters this weekend but cannot risk the journey to the east coast if the snow continues.ย 
    โค๏ธMum 2018
    0% credit card ยฃ1360 & 0% Car Loan ยฃ7500 ~ paid in full JAN 2020 = NOW DEBT FREE ๐Ÿค—
    House sale OCT 2022 = NOW MORTGAGE FREE ๐Ÿค—
    House cash purchase completed FEB 2023 ๐Ÿฅณ๐Ÿพ & left work. ๐Ÿค—

    Retired at 55 & now living off the equity ยฃ10k a year

    โค๏ธ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: 238 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Morning,

    I cannot tell you how relieved I am that you are continuing with your post Aquafit hot roast chicken habitย  :D
    Something about the way you describe it makes me almost smell it as I'm reading and I'm afraid a raw one would not have the same effect! ย Very glad no one was hurt by the ceiling collapse.ย 

    I'm sorry you're still having a lot of sadmin to do; it must feel relentless. I have to admit that number 8 on your list is something I never got around to last year ... I shall endeavour to do that today!ย 

    I have my heating set to 19 ( Southern softieย  :D) but it's on ย timers so not on during the day when I'm at work ... which made me realise just how cold it gets while I've been on leave this week. ย I have had to push the "1 hour boost" button a few times.ย 
    FDF savings target = ยฃ20k by 31 December 2027...87 weeks to go!

    31 Oct 2025 = ยฃ8217.86, 30 Nov 2025 = ยฃ9463.40, 31 Dec 2025 = ยฃ9785.81 [b,] 31 Jan 2026 =[/b] ยฃ10.476.12, 28 Feb 2026 = ยฃ11,060.63, 31 March 2026 = ยฃ11,493.44 April 2026 ยฃ11,889.60

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