*sigh* this may take a while

ohdearhowdidthathappen

savingholmes said:

Glad your DD is settling in.

When is your mortgage fix due for renewal?

June 2023...

mark55man

That means you can start looking for replacements in December.  Some allow application 6 months prior to the day you need it  , and some only 3.  Fixes will have a premium for a bit while the uncertainty factors through, yet the overall trend is up so variable is unappealing as well!!  Good luck!!

ohdearhowdidthathappen

I'm being thick, I meant June 2024!  I'll bury my head in the sand for a while longer  

mark55man

With breaking news Jeremy Hunt as chancellor things may be a bit less wild by 2024.  I don't like him and I'm not a Tory, but I do give him credit for being a safer pair of hands than the alternatives 

savingholmes

Glad you have longer anyway. Definitely worth a targeted savings plan now - of how much extra you think you might need by then. That way you have a cushion if the worst happens - and you are already used to paying more.

ladyholly

mark55man said:

With breaking news Jeremy Hunt as chancellor things may be a bit less wild by 2024.  I don't like him and I'm not a Tory, but I do give him credit for being a safer pair of hands than the alternatives 

Ever heard of exercise cygnus which occured in 2016 to prepare for a pandemic. I suggest you google it and remember who was
minister of health at the time.

ohdearhowdidthathappen

Well, that's been an interesting few weeks! LT was a bit of a shambles and we'll see how RS does.  He seems smarter than the former.
Half term has been keeping me busy.
We've defaulted to being a bit spendy and will need to rein it in.  Nothing too drastic, just a bit of 'f@~k it', will take a month or two to mop up.

savingholmes

Love your honesty.

Given none of us have cost the country billions maybe 🤔 our overspending isn't so bad. I've had a similar week for different reasons.

ohdearhowdidthathappen

Thanks SH, it's a safe space to say 'oops' I guess!  It's mainly been on house stuff and the children, which are our weak spots for spending  
This week has been half term where we are, haven't done too badly considering as could see our accounts drifting a bit.  Kids won't have noticed the difference, we've still done nice things  

savingholmes

Improving is good. I do think it is a season for putting away a decent EF though. How are your savings goals going?