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Finally I have a mortgage I can start to pay off!

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Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    **climbs on political high horse**
    Of course you should claim!  If you're eligible, you claim, and if you're not sure, you still claim - mutters about structural financial inequalities that are staggeringly pronounced in the modern UK ...
    **climbs off political high horse**

    Anyway, how about that OnePoll, huh?  :D
    2023: the year I get to buy a car
  • themadvix
    themadvix Posts: 9,045 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Hmm... you do have to be sure this time around Karma - they’ve changed the criteria and you may have to produce evidence of substantial reduction in demand (in my case, other impacts are possible such as not being able to trade). So doing the maths was important and being able to show that there’s a clear link to the pandemic was necessary too. I wouldn’t want to be in the position that I might have to pay back/be fined in the future because I shouldn’t have claimed.

     Claimed my £1 winnings earlier and offset it against some milk - 75p for four pints of organic milk, bargain!

     Feel I’ve had a productive day today - lots of bitty jobs done. Am currently making some naans to go with one pan fish daal for dinner too. 
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Jessy103
    Jessy103 Posts: 2,402 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Hope all goes smoothly with the claim vix and you should definitely claim anything you can! 🙂
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    themadvix said:
    Hmm... you do have to be sure this time around Karma - they’ve changed the criteria and you may have to produce evidence of substantial reduction in demand (in my case, other impacts are possible such as not being able to trade). So doing the maths was important and being able to show that there’s a clear link to the pandemic was necessary too. I wouldn’t want to be in the position that I might have to pay back/be fined in the future because I shouldn’t have claimed.
    **tells high horse to behave itself**

    So, the same thing that I've always done with tax records - if I claim something, I have to show I paid it out, and often how it relates to my business?  Fair dos!
    2023: the year I get to buy a car
  • greent
    greent Posts: 10,836 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another one that thinks you are right to claim :) Should a miracle occur and your finances go swiftly way up then you can always make a larger donation to a suitable charity at a future point if you feel that you've benefitted 'too much'? x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • To chime in on my not so high horse...you do what feels right for you, before you claim, during the drop in work and after things have settled!
    MFW: Was: £136,000.......Now: £47,736.58......
  • themadvix
    themadvix Posts: 9,045 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Thanks everyone, your reassurance is much appreciated!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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