The Case of the Overwhelming Mortgage

AgathaSquirrel

Off on our ‘big’ holiday to New York soon. Just Monday to work.

Happy news at dermatology appointment. Had been referred for an urgent appointment during the summer due to a sinister looking growth on my back. Have been quietly worrying for months but all good. No cancer and two offending growths frozen off. Back is sore but skin will heal over time. Also a referral to maxfax for a basal cell carcinoma. Nothing sinister this time. Just needs removed. I had NHS prescribed UV light treatment in my 20s and I think I am seeing the downside of it now.

Bit worried we won’t have enough spends on our holiday but I’ll just need to shuffle money around. We’re using my credit card to avoid fees so that allows me to pay off in full after pay day.

Am currently doing back to back laundry to wash clothes for holiday and get school uniforms clean for return. Need to pack today so we can go to the hotel at the airport straight after work.

savingholmes

Hope you are having a lovely holiday. 

Sorry about the skin concerns but great news not cancerous.

AgathaSquirrel

Back from our holiday. Feet sore and bank balance depleted but no regrets. As suspected we didn’t have enough spending money so now paying off credit card from various sources but should be paid off by the end of the month. Probably UK holiday for us next year and enjoying our garden. Abroad holidays are very expensive. Back to focusing on paying off the mortgage and saving for university. Open day on Saturday for Edinburgh University then eldest will be submitting UCAS. 

AgathaSquirrel

Had the big birthday. Lots of lovely celebrations. Back to work now. Such a tiring day. Have more work but too tired. Will need to start early tomorrow instead.

AgathaSquirrel

Nothing from SSPA - October was the deadline for a statement, so still no pension statement since 2022. Incredibly frustrating. I’m now 50 and not knowing what my current pension looks like makes forward planning very difficult.

Mortgage should go below £42000 later this month with overpayment. Keeping an eye on current account- our very high expenditure over the past month has meant we don’t have as much in the account as usual but I’ve decided as our mortgage payments will increase next year due to us shortening the term we may as well start paying an additional £100 to the mortgage just now. It will make it less painful when we switch next September. This will keep us on track to be mortgage free at the end of that fix. All being well 46 months of mortgage payments to go.

glass_half_full

How frustrating regarding the.pension statement. 46 months is a great target.

Humdinger1

@AgathaSquirrel that is frustrating re the statement but congratulations on your overpayment and sheer determination!  Might it be worth calling the pension people? Or if you've done that, a complaint may be coming.  They might pay compo for the inconvenience and sheer incompetence.   Love Humdinger xx 

pink_poppy

AgathaSquirrel, my DH had the same problem with SPPA and he eventually decided to contact our MSP and his Union (on separate occasions/years) and they managed to get SPPA to generate up-to-date statements on his behalf.

AgathaSquirrel

Oh very interesting @pink_poppy. I didn’t think there was anything I could do - thank you

AgathaSquirrel

First unconditional offer for eldest. Not her first choice but hopefully the other offers will trickle in over the next week or so.