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My mortgage clobbering post

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Comments

  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh hun, bad luck on the idiot man but at least you found out sooner rather than later! 

    Glad the cat is still poddling on 😊❤️

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £353 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. 
  • Frith
    Frith Posts: 8,772 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 8 July at 6:11PM
    It took me weeks to get the online banking working! 😁

    A short relationship seems to mean a quick recovery, so that's nice. 

    I've cleaned the house, done paperwork and put up a picture. 

    Went to the coffee morning, to a party on Saturday, art class yesterday and to see my friend for a cup of tea today. And the 4 tough days at work in the middle of all that!

    Cashback from Quidco has tracked. Still need the golden hello from TSB and to do my car insurance shortly. Also have free cinema vouchers left from my short time with Lloyds and 2 free passes to the National Trust, cut out of the newspapers. 

    Also, randomly, I've been playing Snoop Dogg on the piano.  

    Balance £2100

    Waiting for the plumber to mend a slow leak behind the toilet. 
  • Frith
    Frith Posts: 8,772 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Nearly 2 years since I moved here!

    Just this evening negotiated my car insurance. £19.96 a month with £45 cashback. 

    Also negotiated with Virgin Media for ages to get £12 a month knocked off. They know they have the monopoly here on sensible internet speeds!

    Still got one National Trust day pass to use up. 

    Balance will be about £3000 tomorrow. 
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,462 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Wow Frith that 2 years seems to have flown by. Great savings. Have you seen if you qualify for VM social tariff for broadband? May save you a bit more. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Frith
    Frith Posts: 8,772 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I don't qualify as I don't get universal credit. 

    Also, we do a lot of gaming and use internet TV etc so we go for a high speed. 

    We did use the BT social tariff in the old house, where they were the only supplier and the internet speed was awful anyway! 
  • Frith
    Frith Posts: 8,772 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 6 August at 2:36PM
    £65 voucher arrived that came with my mobile phone contract. (£8 a month, thanks to MSE). Also had a £25 voucher for my birthday so I have ordered a new phone. I've had my phone 4-5 years and it was second hand then so now it will only support 3 apps! Annoying if you want to go geocaching/use any store online card/use a parking app. It'll cost me £5 plus vouchers then I'll sell the one I'm typing on now, even if I get £10. 

    £100 golden hello arrived from TSB today. Allegedly you get a hotel voucher in a few months so I'm torn between waiting for that or taking advantage of the introductory offer with Barclays (I think). 

    I've been doing some batch cooking again.

    Smaller son had a nice birthday, ending in a barbecue. 

    Still have free cinema vouchers and a free NT day pass to use. 

    The car is booked in for an MOT and new ABS sensor. Maybe it will reach 23. 

    The cat is still going! Maybe she will reach 20. 

    Balance £2511
  • Frith
    Frith Posts: 8,772 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Son2 has had his £175 golden hello from Barclays so mine should arrive in the next few days. 

    The car had its MOT yesterday and needed 3 new tyres, so it could have been much worse. A total cost of £195. Son 1 is going to whizz it down the M5 on Saturday to make the engine warning light go out. (It went on the computer but is just furred up from doing so many low mileage, slow speed journeys). 

    Still in the same job...

    The cat is still going. 

    We're planning a holiday around 2 away matches (Saturday and Tuesday) that our football team will play in the northwest. 

    Balance £3016 but all bills about to come out. 

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