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Escape to the country & living off savings

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  • SuzeQStan
    SuzeQStan Posts: 1,708 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    Ah reduced to clear makes a lot more sense LOL
    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: 8,455 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 29 January 2024 at 6:08PM
    Recently chatting with my niece and found that she doesn’t have any photos of herself as a baby/child. I sorted through my photos and took some to Mr T this morning to get copies. Will use household bills pot. Now she can have the originals & eventually pass them on to great nephew 🥰
    (Long story but she is the daughter of my other sister no longer with us)

    Also spotted a Moroccan apricot and coriander sauce in mr t which I used quite often years ago when it was £1 & treated myself to a jar £2.50. Has been in my slow cooker with some cubed lamb (£5.20 😱) butternut squash, red pepper and courgettes. Expensive but delish 😋 I will have some for dinner and should be about 4 portions for the freezer. Plus 2 tubes of moisturiser on offer £1.50 each. Paid on my credit card & will pay in full from next months shopping budget when I “pay” myself in a few days time. 

    It’s such a dark, grey, wet day. Went to DF’s for a cuppa this afternoon and took the baby bouncer chair my friend gifted, which he has assembled & is now waiting for niece to collect. He also gave me about a dozen baking size potatoes from stores, which came from his allotment & some more runner/broad beans frozen from the allotment as he says he has too many. 

    Aquafit tomorrow & round to see my friend in the afternoon for a cuppa. “Payday” & aldee on Wednesday. 


    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
  • Feeling a bit low today. Have not slept well. Probably my own fault as I left the heating thermostat on last night when I went to bed and the heating woke me around 12.30am. It’s only set to 17* so must have dropped to 16* so I turned it off but it took me ages to get back to sleep. 

    It’s still dark here but no rain & very mild, the thermostat is at 17* so the temperature has not dropped overnight & no heating should be needed this morning. I will submit my meter readings later today. 
    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
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Meals are delicious, lamb costs are silly at the moment. Is DF able to slice and dice meat for you as buying RTC joints may be more cosy effective and provide several dinners.

    Very kind of you sorting the photos out. Niece will be touched.

    Enjoy aqua and your visit.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • SuzeQStan
    SuzeQStan Posts: 1,708 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    Aw am just the same so hard to drop back off when you have been disturbed! 

    My poor MiL been getting food delivery knocking her door at 2am over the last couple months - moved her bedroom downstairs recently to aid her mobility in getting around the house and the front door now lets on to her new downstairs bedroom. 

    Anyway this delivery guy keeps knocking her door to deliver food when it’s actually meant for the hotel across the road.  😞. 

    horrible getting disturbed in the nite. 

    You will sleep well tonite and feel better tmoz take care SYA 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.

  • Hope you get a restful sleep tonite SYA ..I get disturbed sleep quite a lot when I just cannot  switch off , I am in bed early sometimes 8pm to pick me up!! 
    How special that you're niece will have some childhood  photos of herself to show her own little one x
  • Thanks MF, SQS and thriftylynny 😊

    SQS so sorry to hear about your poor mil what an awful situation, it would scare me silly if someone was banging on my door at 2am. I hope she can get him stopped. 

    My sleep has usually been a lot better since I gave up work. Hopefully I will sleep better tonight. 

    I’ve been struggling this month feeling tired and aching in my bones. I have been diagnosed with Vit D deficiency in previous winters so picked some up today, hopefully it will help. Otherwise I will be going back to the gp. 

    Another storm is coming according to the forecast. Fed up with the bad weather. Payday tomorrow & will go to aldee. Taking my friend out for lunch next week to celebrate her birthday 

    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
  • Finally the last day of January! 

    I have transferred savings this morning. £833 to current account for this month and £150 to my digital regular saver 6%

    Budget for February 

    Phone sim only £10

    Tv licence 13.25

    Water 13  (water meter)

    Council tax £0 (paid over 10 months)

    Union £2.24

    Gas & Electric bill £100

    Annual bills £100

    Birthdays / Xmas £50

    Car pot £50

    Holidays £100 (no council tax. Will be used for petrol to visit DS down south)

    Petrol £40

    Entertainment £100

    Food £160

    Leisure centre membership £32.50 (Aquafit x 2 classes a week)


    Income £833

    Outgoing £770.99

    Remaining £62.01



    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: 1,708 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    Wanted to mention SYA - I’ve got the vit d deficiency as well and had to have a big dose last time. The problem is that too little is bad and too much is also bad so often find meself stuck!  Weird how it makes joints / bones ache - I’m just the same as you x hope you feel
    better soon 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.

  • Thanks SQS

    aldee shopping today £40.21 / 160
    Mostly food apart from a bottle of bleach. Joint of gammon will go in the slow cooker in the morning. Whole cauliflower & broccoli will be steamed and will have some of each with a bit of cheese sauce made with warmed cream for dinner tomorrow. Tonight I will be having a naughty frozen sweet chilli chicken pizza £1.39

    I have swapped my usual well known brand of p max cola (£4 for 8 pack or £10.50 for 24) for aldee z x zero sugar cola 6 pack £1.65. It has a bit of a vanilla taste to it but I don’t mind that. 

    petrol £10.01 / £40

    Niece came over for a visit this afternoon so I had lots of baby cuddles 🥰 
    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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