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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 8,504 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Finally managed to do a survey! All 33p of it 😉
    It was all about potential tax rises and possible combinations of them. If a certain combination comes in we are going to struggle … Ho Hum …

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 59books of target 52 in 2025, as @ 18th October 
    Produce tracker: £426 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. 
  • edinburgher
    edinburgher Posts: 14,120 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 25 August at 10:50AM
    I feel your pain KK.

    I have been chewing over this topic for months now. I'm very poor at making friends in real life, have only managed to pick up a couple in my adult years (former colleagues). Interactions with said friends is now reduced to a group chat and I haven't seen one of them in years. I suspect they have some kind of social anxiety but the reasons for lack of social contact all seem a bit invented when I would also see social meejya pics of them out and about with other people. In short, it has become very unrewarding and I feel I should cut ties and just move on. Still, hard when it's your closest thing to being normal :|
  • edinburgher
    edinburgher Posts: 14,120 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 25 August at 12:46PM
    I think we looked at that provider recently, although they have recently rebranded. There were some quite negative reviews but also some generally positive reviews and this is perhaps about normal for an energy provider. I think they might have been around for a little while (as opposed to being a completely new company).

    We ended up sticking with Mollusc as I couldn't get any family/reliable anecdotal feedback and the faff of something going wrong if we switched wasn't worth it. Like you say, providers do go pop and it can be a nuisance. I remember one of my younger siblings switching to a broadband provider that went that way, took years to fix. For me, I think the question was "is saving £15/mth over 2 years worth it if the company goes pop?" The answer was no, but I'll admit it was a decision at the risk averse side of the scale. 
  • SandyShores
    SandyShores Posts: 2,003 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I'm another who used to switch energy companies every year.  Last time was ages ago when I switched from a really good supplier to another just because it was time to switch.  Of course then they went bust and there was about two years of trying to get a straight bill from them.  I knew I was owed money but it was only when we moved house and changed suppliers completely that they finally sorted it out and we got a refund of about £300.  We've been with BG ever since and I know that we could get cheaper but I can't go through all that stress again.  Although I have been thinking about Fuse Energy lately as I think they do flexible off-peak and seem environmentally friendly.  If you use The Rest is Politics referral code above you get £20 credit and a free subscription - not sure if that's enough to persuade me though. 

    The friendship chat is interesting.  I hold a fondness for the days when there was so much to do and too many people to see.  I'm open to friendships, but these days I value my personal time and peace of mind so much more - completely agree with you @debtfreewannabe321.  I think there is so much to do in this world that its best not to hang onto people that take up good space.
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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