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Baby steps to mortgage freedom for beanielou.
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the form is HMRC 701/7VAT reliefs for disabled people, just got the name as it reminded me when i sent the message that i needed to compete it for a chair i purchased from Amazon for his new shower, the team doing the bathroom are going to fit it when doing the refit as long as i purchased it, you fill it in and send it to the company you made the purchase from and they will keep it with there VAT records and should be able to refund you the VATyuanzhi said:beanielou said:In less than good news I had my gutters cleaned and a tile replaced on the roof. It turns out unfortunately that I need work done on the ridge tiles and something else. There is water leaking in to the loft. The quote is £1,200. Then of course the VAT. Could really just cry.
Beanie, you should be able to claim the VAT back at the least also with your new kitchen. i am getting my dad's bathroom redone and the company had a form to fill in to claim the vat back due to my dad being disabled, i just had to write on the form what his disabilities were and sign and date itbeanielou said:In less than good news I had my gutters cleaned and a tile replaced on the roof. It turns out unfortunately that I need work done on the ridge tiles and something else. There is water leaking in to the loft. The quote is £1,200. Then of course the VAT. Could really just cry.5 -
Really sorry to hear about the roof, there's always something!"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 McGee1
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Sorry to hear about the added expense of the roof 😞 Mr SA refuses to go to groups of anything basically but particularly brain injuries and disabilities so understand your mixed feelings.Enjoy celebrating with your maw tomorrow.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Happy new kitchen beanie! Sorry about the roof though 😕
I can't believe how quickly that kitchen went in. Makes me want to pay a tradesman next time I get a kitchen. DP did it last time but it was a long drawn out over a month or so process 😵💫.MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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My last kitchen 16/17 years ago was a homer and it was painful. I said never again.debtfreewannabe321 said:Happy new kitchen beanie! Sorry about the roof though 😕
I can't believe how quickly that kitchen went in. Makes me want to pay a tradesman next time I get a kitchen. DP did it last time but it was a long drawn out over a month or so process 😵💫.They did a fantastic job. They work well together and go the extra mile.The roof is a blooming bumblebee.I 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.4 -
Lovely lunch with my mum today. Over budget though. Just as well it’s only once a year!I 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.6 -
Glad you had a lovely lunch with your mum. Over budget for occasions like that is totally allowed - memories are priceless 👍
January spends - £587.583 -
Glad you have a lovely lunch and glad you might be able to get the vat back...DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Great girls night in last night at a friends. We had champagne to celebrate a friend’s new house.Lasagne & garlic bread. A fantastic pudding & chocolate covered strawberries.A great wee night. Embarrassing that I took nothing but myself. They are aware of my situation though.I 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.10 -
Sounds wonderful 😊
I’m glad your friends are understanding. Your turn to contribute will come again 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4
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