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Cosy blanket

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Comments

  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You've got the money to cover the expenses, which is a good position to be in.
    Checking pension costs are worth doing, means extra money later in life.
    Hope everyone else is ok and have been bypassed.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thank you SW, I don't feel it atm. 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks MF, I am beginning to understand how it's important to take action and not just put my head in the sand which I have done many times before. 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,451 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Great news on little man I hope his good health continues 

    I know what you’re mean about spending now more places are opening up. It’s so difficult to say no to stuff! 
    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
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thank you.

    Yes, I feel like we deserve it. 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hey everyone,

    Life has been pretty hectic but thought I would share what's been going on.

    Firstly my son is mostly well but we may be getting a few issues in another way for him now so keeping an eye on that. 

    School holidays means boys both at home which has been lovely. 

    Now for finances, we have had lots not go our way unfortunately, a broken washing machine and 2 cars go wrong. We have had a massive electric bill for the other house and a big dentist bill.  We still need to pay for car no 2 and a bit of my dentist bill but everything else has been covered and its pay day today. EF still taking a battering... Its at 5k but our garage roof needs to be paid for soon so that will make a sizeable dent to it. I am hoping that will be all for our run of bad luck and we can then move forward with building our cosy blanket again, completing the BTL work and then maybe some OPs. 

    I am now managing my own pension which is saving me quite a bit and actually improving my understanding which is great. Ohs pension is still something we need to sort. 

    Hope you are all OK 

    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,451 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    So glad to hear your boys are doing well and I hope the other issues come to nothing. 

    Boo to the bad luck with finances. Big bills always seem to come at the same time but at least you had the ef & I’m sure you will building it up again & soon be op 
    Well done on pension plans 
    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
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thank you, yes we seem to be constantly hit by a wave of bills atm unfortunately, I am hoping it means we are getting it all out if the way. 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Hopefully they'll get to the bottom of DS's problem and then he will overcome that one too.

    Bills do tend to land at once and never when it's convenient, however you're keeping on top of everything and have some in the bank to assist. It's a strong position you're in, although it probably doesn't feel it.

    Well done for managing your pension.

    Remember, we're not only here for saving money, but to support through good and not-so-good times.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Well done in coping with it all. I think you are doing really well, it is stressful to manage properties, i only look after my house and that is hard on its own! I hope you have a good weekend. 
    Aiming for a minimal spend 2022
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