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And now we go again...
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I've just caught up with your goings on EH since I've been off the boards for a couple of months. I'm glad you had a wonderful Scottish holiday and your garden is going great guns!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
Hey lovely visitors - thank you all so much for stopping by! Loving all the wordle and similar chat (although I'm currently scuppered by today's at 3 guesses - I may yet get there though, we'll see! *edit to add - just had a flash of inspiration and finally got it in 5!*) Life is still...hmmm..."challenging", here, won't go into detail as some of the "challenge" is work related. it may get better, it may not, we will see!
Anyway. Money stuff is ticking along although the last couple of weekends have been s-p-e-n-d-y. Time down in Devon with MrEH's family is always lovely, but for various reasons this one also ended up somewhat expensive. Nothing that anyone could help, and sometimes circumstances demand it, but still. Then this weekend just gone we ended up doing a couple of L T Museum bits which it made sense to join together with an overnight stay in a cheap hotel in London. In fairness, that probably was cheaper than the travel back and forth would have been. Friday was the "Hidden London" tour of Holborn which was superb - I won't give too many spoilers but this photo sums up the gorgeousness of the tiles...
As we were kicking around for an afternoon and evening in London at a loose end, we made a proper day of it with lunch at a Lebanese place we've eaten before and liked, then a wander round the Royal Courts of Justice (absolutely stunning building - can't believe I'd never seen it before!) and then St Clement Danes (also a stunning building which I HAD seen before) and then a wander round the LT Museum because it's free for us (Friends of the Museum) and why not! Then a few pubs - including meeting a good pal for a quick pint with him when he finished work and we ended up in The Bear at Paddington which is a favourite of ours and proved to have Hammerton Brewery's rather excellent "Crunch" on - tastes like peanut butter! the following day after breakfast in one of the well known "meteorological/cutlery" type chain of pubs, we headed out to Amersham for a ride round to Watford and back on the Museum's 1938 Stock tube train - an absolute beauty and SO comfortable! At £20 a ticket for us, it really felt like superb value for what we got, and is definitely something we would do again!
Spendiness on a personal front too as I spotted a decent offer from that well known chain of chemists one might wear on ones feet - a decent price on my usual moisturiser plus a free gift containing entirely items I would use when I spent a certain amount, which was done by topping up with a mascara as well...as the free gift included a full size facewash I am viewing that as a very good price indeed. That will come from my personal money, of course.
The garden is still keeping us fed with tomatoes still coming, courgettes pretty much daily, still some runner beans and cucumbers as well. We'll be doing a test dig on the potatoes at some stage in the next few weeks I think - you never quite believe you've got anything there until you dig that first lot up, do you!It's just so nice as Foxgloves says though to know you can literally do your vegetable shopping from your garden though! (And of course everything just tastes so much fresher as well!)
I have done the first pass money shuffle for the CC, and should be in a position to see where we are at on that one shortly once a few things have cleared back. My car will need diesel pretty soon, and MrEH's will need it this side of the weekend too. On the flip side though there was enough on my Oyster to sort out all our pottering around on Friday and Saturday so that was a win! We have one more spendy weekend to come this month as well - but again, budgeted for on personal spends - and then a couple of quieter ones which will be quite welcome I think!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her12 -
Glad you've been having a lovely time, that's what budgeting is supposed to enable isn't it!
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Sounds like you had a great timeI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
That sounds amazing. Glad you paired it with a nice meal too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Sounds like a brilliant day out! So many lovely hidden areas of London to explore.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
Sounds like a great time in London. Sorry you have "challenges" to deal with. I know the feeling. Hope it all sorts itself out.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up5 -
Urgh to challenges 😕 Hope things are resolved satisfactorily soon and don't cause too much bother in the meantime xx
Your trip out sounds like an excellent one though, how many fantastic things were packed in! Most excellent😊5 -
Sorry things are challenging but glad you've had some good times out. The photo is great!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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Hang in there EH - this too shall pass!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!4
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