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My 2 year battle to try to keep our home

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  • ladyholly
    ladyholly Posts: 3,933 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    We have been putting off filling the car but it has to bedone this week as DH is off to Lincolnshire for a festival and we live in the west country. I am not looking forwardto the bill especially as he has another one in acouplle of weeks in North Wales. The peaceful house will be good though :)
  • elsien
    elsien Posts: 36,059 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Petrol is coming down again in this area, thank goodness. Still ridiculous but not as bad as a couple of weeks ago. 
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • I am glad I am not the only one putting off the petrol station visit. I use a tank a week when I am at school so at least I can feel smug that I save a fortune in the school holidays. I might just put 10l in rather than a fill up until prices come down further. My area seems to be very slow at passing on reductions in price.

    I updated my budget planner last night so it was good to get that done. 

    I have cancelled my TV license and requested a refund. Not sure I am eligible but I honestly can’t remember the last time we had BBC on as we are a Netflix binge family. 

    My son is finally out of contract with EE so I have downgraded him to SIM only. That takes us down to £44.76 a month, which I think is decent for 4 of us. Last May we were paying £175 a month for 4 phones and a watch!!!  I love how much our habits have changed :)

    I have splurged on stickers for my teacher planner but they keep me organised and happy!

    Total Debt May 21 £20,490.44  DEBT FREE DATE 29/7/22 

    Mortgage balance May 21 £177,096.19. Now £143,588.36
    Mortgage free date. At start of sole mortgage = July 2042

    2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25  PAID OFF 
    2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £3275.88
  • Sarahwithlove
    Sarahwithlove Posts: 3,331 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Petrol is slowly coming down but not everywhere only certain petrol stations I am finding who are running out quickly! 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8440/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1010/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Floss
    Floss Posts: 9,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I let him keep his pension so there is no pension sharing order. Hopefully all will be fine.
    Can you remember how long it took for your order to be finalised after submission @Floss?
    I'm sorry, I can't...and I ceremonially cremated the correspondence earlier this year! If you check on the website for whichever regional Court is handling your divorce that may say, or I found them really helpful on the occasions I rang them.
    2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
    2023 Decluttering Awards: 🥇 🏅🏅🥇
    2024 Decluttering Awards: 🥇⭐
    2025 Decluttering Awards: ⭐⭐
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think mine too between 4 and 6 weeks.
    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
  • satchmo1
    satchmo1 Posts: 3,220 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I know you've already filled up your petrol tank, but in order to squeeze every inch out of your fuel it is actually better to just half fill your tank, as the weight of the fuel makes a (slight) difference --- each of those slight differences adds up.

    Another tip is to empty the car of unnecessary heavy items. A bit obsessive, but if there aren't any young children travelling, then neither should their car seats/booster seats be :smile:

    Hope that helps someone?
    What would you get if all you got was what you were thankful for?
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You are braver than me - I worry at less than 50 miles as I don't trust the estimate!
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
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