We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Hope is not an Effective Financial Strategy

Options
1415416418420421436

Comments

  • Watty1
    Watty1 Posts: 6,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Nice to see you here. I'm gradually catching up with those  I once knew then will find new diaries too  
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Cheery_Daff
    Cheery_Daff Posts: 17,090 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We decided against bees too after I went on a one hour beekeeping course  and spent the whole time willing myself not to run away flapping my arms and screaming 😂😂 I didn't, of course 😁 We have the space, but learned that it would be far too cold and windy up here in the winter, and nobody else would put a hive here as it would be too much hassle, so not something fir us either, certainly not for the next few years.

    Excellent tidying there!
  • Cheery_Daff
    Cheery_Daff Posts: 17,090 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well, it's tough now. Trust that you made the best decision with the information you had at the time, and deal with the situation as it is, rather than how it was, or how you wish it would be.

    *wags fingers in bossy but kind fashion* 😁
  • greent
    greent Posts: 10,748 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I feel the pain on a double whammy - switched last month so had old pymt come out and new supplier took 1st mth (£180 ish) up front too - ouch!!
    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
  • Suffolk_lass
    Suffolk_lass Posts: 10,251 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Re electric supplier - We were moved last year (Dec old one went bust, Feb it was finally moved to Scottish Power) - when I did the comparisons I elected to stay with them on a new tariff. Ours is electric only. A smallish 3 bedroom cottage, almost £190 a month even with economy 7. On the other hand, we use very little oil for heating as our (electric) range (on from October to May) heats most of the house so we just turn it on once a month to stop the CH pump seizing (and it does hot water).
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.