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Keep calm and carry on....

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  • South_coast
    South_coast Posts: 5,885 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    😡 So the £145 I thought I'd found in my accounts isn't all mine, as the post has just brought news that the Flybe money has been credited back, amounting to - you guessed it, £145. Rather than show it as a transaction on my online banking, the credit card company decided to just reduce the direct debit by that amount and not tell me - I wondered why it was lower than I was expecting, but I've had a couple of other refunds since the bill was generated and just assumed it was because of that. So I've had to transfer half the money to BF and I am more adrift in my accounts than I was a few hours ago! This has been the worst Saturday morning for hard maths for a long time! Lockdown and not spending any money is meant to be making my accounting easier, but not finding that so far 😂!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • South_coast
    South_coast Posts: 5,885 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I guess I should focus on their efficiency for getting it back to me quickly....but I wanted it to be mine 😢!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • South_coast
    South_coast Posts: 5,885 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    It does make sense, it was the lack of explanation that made me sulk 😦 Having to transfer half of it it back out of the mortgage account when I'd already claimed it as my money was the pits! Should have known it wouldn't be that easy! 
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes this is a weird time in history to be going through. While being furloughed would give me time to write and do art - I think I am glad I still have the distraction of work and feel I am contributing to something. Doing my best to ignore the fact that some have barely done any work - not helped by their ICT issues and childcare.

    I think an EF is in order if most of your colleagues are on furlough - suggests the company could be on rocky ground - or very clever....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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