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My mortgage clobbering post

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Comments

  • Frith
    Frith Posts: 8,850 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Turns out you can't buy Eurostar tickets without a passport (which makes sense) so passport renewal is underway. 

    As we missed the Eurostar sale, we might get a ferry instead and go to see son2's friend in Denmark then go to Sweden and take a ferry to see Estonia, Latvia and Lithuania then a couple of German Christmas markets. 

    Not much has happened though I did buy a lawnmower off FB and had a good weed of all the borders and a general tidy up outside. 

    I still feel very bleak and tired. 

    Balance is £3946.
  • Frith
    Frith Posts: 8,850 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Positive things!

    My passport has arrived. Still waiting for son's driving licence to come back so we can get his passport. 

    Got a free English Heritage day pass today. (MSE)

    My older son has visited for his birthday. 

    Quidco has paid me £34. 
  • Frith
    Frith Posts: 8,850 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    £74 transferred from Quidco today. 

    Son 2s driving licence came back so we are doing a hair/beard minimisation programme today before I take a photo of him for his passport photo. Will apply for the passport tonight. 

    I have a new manager, my 7th in a year. Torn between looking for jobs or waiting until I've been on holiday (November). 

    Swapping my bank again! Hopefully I'll get £175 from Nationwide. 

    £4030 balance. 
  • Frith
    Frith Posts: 8,850 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Quidco money transferred today, not in my previous update, as I had to change my bank account details. 

    Awaiting £175 from Nationwide. 

    Balance is 4130.69. 

    But not for long! Son2s passport is in the post to him (finally) and we can start booking ferries 

    I'm on manager number 9. I didn't meet the last one. 
  • KajiKita
    KajiKita Posts: 8,803 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good numbers :)

    What is it with the manager churn ... ?? That sounds quite odd ... 😖🤔

    KK
    As at 15.11.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 71 books of target 52 in 2025, as @ 1st December 
    Produce tracker: £442 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: 8,850 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Its bonkers. However, it's only number 8, not 9! 
  • Frith
    Frith Posts: 8,850 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    £3795 in the bank. Very pleased with that, after 8 days travelling! One or two more household bills to go out for November.  

    I've had a fortnight off work. Going back tomorrow and I know the absolute priority in 2026 must be to find something new. 

    On a more cheery note, the other priority will be to make the garden nice. 

    Have changed bank account again (6th time this year?) so I'm looking forward to a golden hello from Santander. 

    The flat roof is leaking above the kitchen window so I must get that fixed. 

    3 stocking fillers bought, one present and the traditional Christmas Eve pyjamas bought in the 20% sale plus my colleague discount. When I started the tradition, I didn't imagine i would still be buying pyjamas when my children would be 6 feet 0 and 6 feet 4 ! 

    I've accumulated enough stamps to get a free breakfast in my favourite cafe so I'm looking forward to that. 

    Downloaded Trading212. My older son signed me up years ago and I invested my free money (for joining) into Nvidia. That has increased in value x 5. I've invested a few pounds here and there as I don't really understand stocks and shares. 

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