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Escape to the country & living off savings

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  • doingitanyway
    doingitanyway Posts: 10,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks thriftylynny 😊 Enjoy your grandparent duties. 

    Budget for July 

    Phone sim-only £10

    Tv licence 15.00    

    Water 13

    Council tax £102

    Union £2.24

    Gas & Electric £100.25

    (Bill £60.25      pot £40   )

    Annual bills £100

    Birthdays / Xmas £50

    Car pot £50

    Petrol £40

    Entertainment £100

    Food £160

    Aquafit £32.50


    Income £833

    Outgoing £774.99

    Remaining £833-775 = £58



    Just noticing, you do so well on food, as you eat lovely meals  :)
    Well done with the budget.
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 3 July 2024 at 8:55PM
    Thanks dia it’s usually £40 a week & if it’s a 5 week month I have a bit extra left in my budget to cover any extras. I get most of my shopping in aldee including fruit & veg & salad, meat cheese milk cream & butter, peach squash (no added sugar) cans of cola (sugar free) decaf tea bags, hot chocolate, occasional sauce eg curry & jars of dried herbs / spices, tins of kidney beans, tomatoes, chickpeas, tins of fish (tuna/ mackerel), tins of fruit (peaches or pineapple in juice which I wash off) mini wheat cereal, low carb no added sugar bread. Also includes cleaning products, clothes liquid, loo rolls, shower gel, shampoo. 

    I mostly buy chicken and bulk meals out with beans, chickpeas, veg (broccoli and cauli) and butternut squash. 

    (2 weeks until next hba1c test due)

    The sun finally made an appearance at 7.30pm tonight so I have been for a 30 minute walk. The wind is building up & it’s meant to be quite blowy tomorrow. 
    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
  • doingitanyway
    doingitanyway Posts: 10,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I actually prefer that way of eating as I enjoy pulses, veggies and beans  :)
    The discount supermarkets make such a difference budget wise.

    Hope you enjoyed your walk
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • SuzeQStan
    SuzeQStan Posts: 1,716 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    Hey SYA - thanks for posting your budget and your food shop.  I got some wonderful frozen pineapple and strawberries from aldee this weekend - not sure if it works out cheaper than tinned tho but just thought to mention as you wash the juice off the tinned fruit 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.

  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Thanks dia & SQS 😊

    Have been to vote then onwards to aldee. This week shopping £39.07. Just bought strawberries and pears this week and I still have 2 apples in the fridge. Will look at frozen fruit next time thanks for the recommendation SQS. 

    Then called at the post office to buy and send a card for nieces partner. He is 40 on Monday. Paid with cash left in my purse £2.70 including 1st class stamp 


    Meals will be 
    chicken stew x 3
    chilli belly pork & watercress salad 
    chilli belly pork & stir fry 
    Cajun chicken & roasted veg
    Chicken, butternut squash, broccoli cauli cheese & gravy

    lunches 
    tuna & cheese salad x2
    butternut squash soup x 3
    chicken soup (tin) - today 
    cheese omelette 

    Did a bit of weeding this morning. Bin day tomorrow & washing hung out. It’s very blowy out there so I put extra pegs on 😆
    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: 1,716 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    defo windy today SYA! Keep expecting to see the gazebo flying past the window 🤣.  Don’t get blown away working in the garden you!!

    Meals sound lovely! I need to take a leaf out your book and start meal planning. Then there’s no need to do any top up shops - my downfall ever since going back to shopping in person.  

    Tomorrow our work CDs are taking us to town for a meal- hoping the weather calms a bit or I’m gonna have to wear one of those rain bonnets ☔️💧🌧️🌂😳😓


    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: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Enjoy your lunch out SQS 😊 Lol to picture in my mind of what you may look like in a rain bonnet 😂

    The wind has dropped today and the sun is shining ☀️ I’m out to lunch with my friend today after aquafit this morning. Should be a nice day. 

    Tomorrow I am going to weed & sweep my drive-on parking at the front of the house. There is space for 2 cars and it’s herringbone brick. There is a long handled scraper tool thingy in my shed that the previous owners left behind which I think will do the job between the bricks. DF sprayed the few weeds a couple of weeks ago and they are now dead. I will also sweep down the side of my house which is a bit of a wind tunnel & if I have the energy I will wash the side window & door which are very dusty. 

    Then next week I am going to price up some fence panels for the front. It’s only 3 panels between me & the extension building neighbours. They are now putting in their kitchen so lots of drilling going on but hopefully finished soon! 
    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: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Had a lovely lunch. Have just been looking at my Interest for june

    Various pots £2.48 (1.74%)
    Regular saver £19.48 (6%) £4401.95
    Savings builder £16.85 (2.67%) £7346.26
    Plus interest payable on maturity on 
    2 year bond matures feb 25 (4.75%)
    1 year bond matures feb 25 (5.11%)

    Remaining equity not including the rest of this years money (to March 2025) £70k. I will not be charged tax on my interest as I have no income/ all my tax free personal allowance 🤞 unless the new govt changes taxes before March 😳


    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
  • Time2count
    Time2count Posts: 175 Forumite
    100 Posts First Anniversary
    Hi SYA quick question about the cheap sugar free coke. Does it taste like diet coke or pepsi max? I'm a sucker for pepsi max but don't like diet coke. Am going to that shop in the morning so I might purchase. Thanks
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    It takes v similar to p max. It’s aldee vive zx cola, blue box with red writing. 6 cans in a box £1.65. Hope you like it. 
    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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