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  • FIRST POST
    • EssexHebridean
    • By EssexHebridean 28th Oct 16, 12:08 PM
    • 8,678Posts
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    EssexHebridean
    EH - Essex > Hebrides...facilitating the next step of the adventure?
    • #1
    • 28th Oct 16, 12:08 PM
    EH - Essex > Hebrides...facilitating the next step of the adventure? 28th Oct 16 at 12:08 PM
    Well well - here we are again then, new diary as threatened promised - the previous one can be found HERE - there are others too - if I can be bothered to go find them I'll add in some links, otherwise feel free to go stalking if you should wish to!

    Previous diary to the previous one mentioned above...
    ..and the previous one to that, too...

    So, I've been here a while (since 2008, in fact) and can't ever imagine quite managing to leave entirely now. I've made some seriously good friends thanks to this place (Stripes, Cheery, I'm looking at you ladies!) - and for that reason alone I'll hang about like a bad smell for as long as they'll have me. A brief summary of "me" - too short to reach anything interesting, Londoner (full of resentment due to being forced out when we wanted to buy somewhere to live - damned incomers and property prices!) currently living in Essex with MrEH. The username is Essex = for where we are currently, and Hebridean = representing the fact that the long term plan is to move to the ludicrously far-flung but ridiculously beautiful islands off the west coast of Scotland. (as and when the move happens I shall be requesting a change of name to LondonHebridean so nobody even THINK about taking that one, OK?)

    Started on here with a loan and a tenuous grasp on our money, plus a mortgage. Budgeting happened. An emergency fund was built. We discovered we liked the challenge of teaching financial institutions a lesson. The loan was kicked into touch first off, and then we started the onslaught on the mortgage. Various adventures along the way including losing half my income practically overnight and a 6 year experiment with being self-employed, all good fun. We waved a cheerful goodbye to the mortgage on 30th September this year - paying it off over 12 years early and according to MrEH's clever spreadsheet saving ourselves around 35k in interest had we left it to run to term. Go us, eh?

    So - this is the next chapter, really. While debt free (and that seems amazing) we want to:

    a) Stay that way
    b) Build a savings pot - firstly to ensure that we can at the least put down a chunky deposit against a future "Islandy" dwelling, and secondly to assist with a lifestyle which is less work and more full when we get there.
    c) Do up our existing flat to make it into a fab place for us to live while we're still here, and a desirable rental for when we're not.
    d) Have fun. Lots of it.

    There will be food, regular lunatic visitors (that's this thread, not at home, although sometimes at home too), a reluctance to wield hairbrushes, some Little Red Jets, and hopefully some laughs along the way. Want to join me for the ride? Well I'd be delighted - grab a chair!!
    Last edited by EssexHebridean; 17-11-2017 at 6:58 PM.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/944.19 (15/05/18)
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Page 53
    • beanielou
    • By beanielou 15th May 18, 9:05 PM
    • 53,926 Posts
    • 213,579 Thanks
    beanielou
    Talking of bras I was lucky enough to get couple at the M & S outlet at the weekend
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • RosaBernicia
    • By RosaBernicia 15th May 18, 9:14 PM
    • 3,475 Posts
    • 9,214 Thanks
    RosaBernicia
    OOh worth knowing about Cheery - thank you! I think Bulb were one of those we were looking at. I suspect I'll be wittering about it in the other place when I come to look so will "see you" over there!
    Originally posted by EssexHebridean
    Bu7b have been good price wise but failed to understand my mad meter arrangements or bill me sensibly. I had to remind them about both the bonus and the exit fee refund before those appeared on my account and they billed me for 12 the first two months followed by a ginormous bill in April. They're speedy at replying, but do appear to need a push.


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • EssexHebridean
    • By EssexHebridean 16th May 18, 12:22 PM
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    EssexHebridean
    Bras are so expensive EH, it's frustrating when they wear out or stop fitting.

    Your London Underground tour sounds interesting.
    Originally posted by HairyHandofDartmoor
    The tours are fascinating HH - I'd urge anyone with any sort of interest in that area to get onto one if they can!


    Talking of bras I was lucky enough to get couple at the M & S outlet at the weekend
    Originally posted by beanielou
    Oh nice work Beanie - always handy to save a few 's on them where you can!

    Bu7b have been good price wise but failed to understand my mad meter arrangements or bill me sensibly. I had to remind them about both the bonus and the exit fee refund before those appeared on my account and they billed me for 12 the first two months followed by a ginormous bill in April. They're speedy at replying, but do appear to need a push.


    Rosa xx
    Originally posted by RosaBernicia
    Ah that's good info - you're on E7 as well aren't you? I will do some reading of reviews on that side of things before I commit to them then - had enough hassle in the past going with providers who don't *quite* understand how the whole thing works!

    Decent survey progress:
    OnePoll now at 23.50
    Prolific now at 8.01 payable and 5.95 pending

    CC money shuffle is finished and all good - there is a surplus in the joint account which I am going to transfer off a planned purchase made on the card since the statement date, plus clearing off that payment to the electricity.

    Today will not be a NSD as needed essential lady-supplies so nipped into ThaT supermarkeT this morning before work and found a special offer so took advantage. Also doing an exercise class tonight so that will be 3.50 to pay to Kenny.

    Finances checked and all in place for our upcoming Islandey adventuring - MrEH is going to book the parking needed for the time we're away today or tomorrow I think and the permits will be sent to us.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/944.19 (15/05/18)
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    • RosaBernicia
    • By RosaBernicia 16th May 18, 8:22 PM
    • 3,475 Posts
    • 9,214 Thanks
    RosaBernicia
    Ah that's good info - you're on E7 as well aren't you? I will do some reading of reviews on that side of things before I commit to them then - had enough hassle in the past going with providers who don't *quite* understand how the whole thing works!
    Originally posted by EssexHebridean
    Technically I ought to be on something else due to my bonkers meter arrangements, but Bu7b assure me they do cope with E7... just a shame they didn't check that's what I actually needed , though to be fair this also comes from the first supplier who misinformed me when I first moved into the house. My current cunning plan is to go with the original meter supplier over the summer to get it checked and sorted, then quite possibly switch again for winter. Bu7b's prices are good and I like they they're green.
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • EssexHebridean
    • By EssexHebridean 16th May 18, 11:05 PM
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    • 45,731 Thanks
    EssexHebridean
    Sounds like a good plan Rosa!

    More bargainous bra shopping tonight to make use of the 20 voucher I got from the previous order. 2 x 26 pretty balconettes ordered and 1 x less pretty t-shirt bra. Total cost 62 (with buy one get one half price offer giving me the t-shirt bra for 10) - 20.00 voucher redeemed, plus something reminded me to check my loyalty points balance with them and hey-presto another 7.05 to take off the tally - total paid 34.95 but one of the balconettes will go back - I just ordered the extra to get to the free post threshold - so that will be a 26 credit yet to come. 2 Bra's = 8.95. Not bad!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/944.19 (15/05/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • beanielou
    • By beanielou 17th May 18, 8:31 AM
    • 53,926 Posts
    • 213,579 Thanks
    beanielou
    2 bras for 8.95 is positively bargainous(Is that a word!)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • EssexHebridean
    • By EssexHebridean 17th May 18, 11:32 AM
    • 8,678 Posts
    • 45,731 Thanks
    EssexHebridean
    2 bras for 8.95 is positively bargainous(Is that a word!)
    Originally posted by beanielou
    It definitely is Beanie! Does rely on me actually sending back the second one in the duplicated style mind - not just going "ooh, but it's pretty!" and deciding to keep it...

    Over 11 payable on Prolific now so that's getting cashed out today.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/944.19 (15/05/18)
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    • Cumbria lass
    • By Cumbria lass 17th May 18, 8:02 PM
    • 1,787 Posts
    • 10,733 Thanks
    Cumbria lass
    What bargains your bras were EH , just make sure you send the others back .

    The Underground Tour do I just google for a link ? Something I would love to do , next time I am in the big smoke !

    I have recently discovered some really interesting tours of Manchester , of course when you live near places you never visit them, but the tours are really interesting and not so expensive . Going to book one with friend when we meet this weekend for later in the summer.

    Not long to island adventuring , hoping the weather stays nice for you .
    CC1 3655 April 2018.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th May 18, 8:33 PM
    • 4,112 Posts
    • 27,970 Thanks
    HairyHandofDartmoor
    I love exploring underground places so would enjoy the Underground tour I think. There's a hidden underground river in Bristol which I find fascinating and I'd love to go to the catacombs in Paris .

    Well done on the bargain bras.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 81.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • EssexHebridean
    • By EssexHebridean 18th May 18, 6:32 PM
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    • 45,731 Thanks
    EssexHebridean
    The Underground tours are the London Transport Museum "Hidden London" tours - they have to be booked in advance and they can be difficult to get on to - if you haven't got access to an early-booking link you stand almost no chance of getting a weekend date for some of them. Others are easier though I think. Best bet is to sign up for the LT Museum newsletter and that then tells you when dates are being released.

    I'm 20p away from cashing out OnePoll - let the sweepstake commence on how long it might take me to get that last 20p!

    Transferred the Prolific money to the card earlier and have updated the signature to reflect.

    85 paid to the car air conditioning man this morning for diagnostics on mine (condenser is bust and leaking like a drain - new one plus labour will be around 230) and a minor fix and re-gas on himself's - which is now working beautifully! Also did the shopping - remembering that I had a 6 off 40 spend so stocked up on a few bits and used that so 35 on the main shop and then a bit under 8 in Al's.

    Joined in with a running group in central London yesterday evening - glorious weather and a lovely bunch of people, I thoroughly enjoyed it and running along the embankment, past Tate Modern, the London Eye and over the Millenium Bridge was exceptionally fabulous!

    Off to an airshow tomorrow - I decided it was just too long to wait another several weeks for my first show of the season so I impulse-booked an evening show not too far from here for tomorrow night. Hopefully it should be glorious light and there are some beautiful aricraft flying!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/944.19 (15/05/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Cumbria lass
    • By Cumbria lass 18th May 18, 6:36 PM
    • 1,787 Posts
    • 10,733 Thanks
    Cumbria lass
    Thanks for the info EH , will sign up next week.

    Enjoy the air show tomorrow, I think this weekend will be good weather wise , here's hoping.
    CC1 3655 April 2018.
    • beanielou
    • By beanielou 18th May 18, 6:47 PM
    • 53,926 Posts
    • 213,579 Thanks
    beanielou
    Enjoy the air show.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • rtandon27
    • By rtandon27 18th May 18, 7:10 PM
    • 2,175 Posts
    • 13,837 Thanks
    rtandon27
    Oh Crumbs! - EH I just realized you were in my neck of the woods yesterday & today!

    Two of my work colleagues popped back into the office this evening just as I was leaving, and mentioned that they had just been on the underground tour at charing cross!

    Must pay more attention to details so we can meet up for a coffee!
    1.5 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Still working hard to keep up the good habits!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th May 18, 8:30 PM
    • 4,112 Posts
    • 27,970 Thanks
    HairyHandofDartmoor
    Your run sounds really good. Enjoy your air show.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 81.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • EssexHebridean
    • By EssexHebridean 18th May 18, 10:01 PM
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    • 45,731 Thanks
    EssexHebridean
    RT I'm fairly regularly around and about London - I work not that far from the Olympic Park. Hope your colleagues said that the Charing Cross tour was good - I'm very excited for it!

    HH Thank you - I will!

    Power of Opinions has just been requested for cashout so finger crossed that might get approved for paying next week.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/944.19 (15/05/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
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