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Get a grip woman!

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Comments

  • SusieT
    SusieT Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I hope pup (and you) are ok, and that the remainder of your holiday was enjoyed without any more emergency spends 
    Credit card debt - NIL
    Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
    Mortgage 64,513/100,000 End Nov 2035
    2022 all rolling into new mortgage + extra to finish house. 125,000 End 2036
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You really are in the thick of it, aren't you!  Well done on the horsetrading for the book, that's gone well.  
    2023: the year I get to buy a car
  • trix-a-belle
    trix-a-belle Posts: 1,545 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Well thats a success on the book, i've got a list of things i'm waiting on and ticking them off as they arrive thanks to the postal strikes & couriers who turn up when they fancy rather that the delivery slots, I've still got fabric samples missing from before the sept strike dates.

    Yuck to the boy mess left from DS.

    I need to mull over my solar offer, I need to work out how much roof area I actually have to be more realistic as I have an intersecting roof coming out from the south side of my main roof so takes out quite a bit of usable space & I totally guessed the pitch.
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • Watty1
    Watty1 Posts: 7,657 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Interesting reading up on solar ...its on my mind for the long term project
    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 !!
  • trix-a-belle
    trix-a-belle Posts: 1,545 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    SL, re the solar together offer, apparently it is cheaper to go direct to suppliers rather than the bidding offer so don't feel pressed into accepting now if you're not certain, by all means take notes of the outline offer & make separate enquiries yourself.
    I don't feel like I can fit enough panels (I recon 6-8 absolute max, offer was for 13 which I don't know where they think they would go) on the south facing part of my roof to make it worthwhile, due to the intersecting piece, maybe when the solar tiles are more mainstream it would be more viable on mine.
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • Suffolk_lass
    Suffolk_lass Posts: 10,735 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 November 2022 at 9:47AM
    Gosh I have been quiet! The good news is that despite some barking (dog) and hiding (cat) over the weekend’s flashing and banging, both our animals have settled down. Stealth cat continues to have Cystease in her food for the time-being, and Pup’s Dog’s (His first birthday was yesterday!) cut paw has healed. Just the reluctance to go outside when it is colder or wetter to resolve with him now. He actually went quietly through the night for more than four hours last night too. Did not bark until 05.30 when my radio came on so clearly I needed to be up anyway!

    Quite a bit of other stuff:

    Re Energy

    • Solar, thanks @trix-a-belle, we need to call the winning bidder really but also check how our neighbours got on with their installation from a local company. We have a second roof I could not specify (the double cart-lodge) and also the amount of electricity we use is far in excess of their modelling tool’s maximum limit, so the proposal is limited in its usefulness, cost profile or accuracy.
    • We have to cut down a tree which blocks light from the roof and also has started to undermine the kitchen with several cracks we are attributing to root heave. The previous owner put the tree in and it is huge. And very close. Less than 6m from the house and diameter of trunks (2!) is well over a foot.
    • Generator - paid for but they are out of stock with no meaningful reference to lead time whether on the website or by phone. I need to check out with PayPal’s Ts&Cs re paying and not receiving and whether there is a dispute deadline. The payment is leaving the building from my CC this week.
    • Energy usage was £68.01 last month. Of course the Aga (electric) is off still, after mild October but I really want it on this weekend and I think it will help with the dog sleeping as his bed is up against it. The amount was higher than Sep or August but we did have DS housesitting and he is not one for turning things off. Speaking of which, the bee freezer should be ready to power off after freezing all the frames not in use to kill any damaging wax moth larvae or eggs.

    Mentioning the CC - I have moved with many JL CC holders to their new one. It plainly states the DD they have requested is the minimum payment in two places - account summary and in the statement, but I know I requested them to clear the balance in full. It took me around ten minutes to find where this is confirmed. Not impressed.

    The decorator is coming this week to price up a number of small, irritating jobs that never reach the top of our list. 

    • We are considering a washed out lime wash on some of the beams to lift light and plan to test this in the hallway upstairs, where it is less prominent if we don’t like it. 
    • The hallway itself still features some naff stencils that the previous owner used (showing that in 18 years we have not decorated that part of the house!)
    • We have pine windowsills which are incongruous and suck light out. The windows themselves are white paint effect plastic frames and the beams and frame are all oak. They need to be white. 
    • As do the internal (pine) doors and their frames
    • The bathroom needs painting

    That leaves us with the downstairs toilet, my kitchen and utility passage, and all the bedrooms. The lounge is OK except for the windows and door… and the floor.

    Outside the pig shed is still to do (cost of busy builders and materials...), three felted shed roofs need attention and the new fruit cage needs erecting. I feel almost demotivated by how much there is to do!!

    Have a good day everyone. We will be treasuring that we are both healthy and so is our dog (one died in the Village after complications from surgery, and the one we walk has acute dermatitis after a tick went unnoticed and he is in a body-suit so we are not walking him today).

    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    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 in 2026 discussion thread
    My keep within our budget diary is here
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Wow, Suffolk Lass, no wonder you've been quiet, you've been really busy!  Sounds like part of that is catching up on all the decorating you didn't do while you were working - which is what I'm doing too, in my way :) 

    Fascinated by the "bee freezer" - it's all so much more complicated than it looks when rural tv type programmes show bee keeping.  Good luck with it all.
    2023: the year I get to buy a car
  • badmemory
    badmemory Posts: 10,191 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Re the tree.  Have you not had a problem with your house insurance.  I was on the phone getting a quote once when they asked if there was a tree within 7 metres, sorry I have to go there is someone at the door, there wasn't.  My various neighbours have had it chopped down twice but neither would pay to have the root taken out.  Of course the bigger the roots the more the surroundings sink as the dead roots rot.  Sometimes you just can't win.
  • Watty1
    Watty1 Posts: 7,657 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I am exhausted reading that list, but equally I love progress when it all gets ticked off.
    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 !!
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