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Resourcefulness: The budgeter's friend

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Comments

  • OpalGirl
    OpalGirl Posts: 114 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Oh Foxgloves, that is not a good way to start the day. I think a stiff drink may be required (purely for medicinal purposes)!
  • Crazycatlady2
    Crazycatlady2 Posts: 1,083 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    Sorry to hear that you are having to spend more than anticipated.....fingers crossed no more surprises 
  • themadvix
    themadvix Posts: 9,375 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    That's depressing news for first thing in the morning! ☹️ I hope the day improves.
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • teapot2
    teapot2 Posts: 3,662 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thats carp but thank goodness for savings, hope there are no more unwelcome discoveries 🤞🏼🤞🏼🤞🏼🤞🏼
  • EssexHebridean
    EssexHebridean Posts: 25,380 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    foxgloves said:
    Grim greetings from Foxgloves Manor this morning as roofing costs have just risen by £3500.
    We did wonder if other significant problems would be uncovered & yes they have -  most of them as a result of the previous occupant having added that execrable spray-on insulation 24 years ago.
    Thank goodness for our Emergency Fund is all I can say. 
    Am getting on with tasks to try & take my mind off it but it's not working very well yet.
    F 🙁

    Let me guess - this is because on closer inspection they have now realised that they are going to have to replace the timbers? I was rather surprised your quote was so cheap - allowing for the insulation, but didn't like to say anything. Unfortunately more often than not the spray stuff does destroy the timbers as well. it was one of our non-negotiables when we bought, that we wouldn't even consider anywhere that had it - but of course when you bought nobody thought it was an issue. I'm really sorry it's come back to bite you on the bum - as you say, thank goodness for EFs. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • joedenise
    joedenise Posts: 18,241 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    BlueJ94 said:
    Evening @foxgloves, I somehow managed to make your diary dissappear from my favourites without even realising, oops! 

    I came back on your thread to ask (as im sure ive asked before and im sure you'll know or someone on your diary will help me!😂) veggies, what's best to start growing now? I have two pallet collars outside ready to go! 
    It might be worth getting hold of a copy of the Square Foot Garden (or Square Meter Garden as the updated version is!) from the library or CS.  It's particularly useful for some plots.  Wish I still had my copy but think it got sent to the CS many years ago as can't find it anywhere!
  • Sun_Addict
    Sun_Addict Posts: 24,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh gosh Mrs F that must've been a shock. Thank goodness you have the funds in place. At least it's getting sorted is all I can say. Fingers crossed that's it for unexpected discoveries. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • KajiKita
    KajiKita Posts: 9,227 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ouch! Huge sympathies .... That's a tough thing to have happen. Hopefully there are no more nasty surprises to come!

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • joedenise
    joedenise Posts: 18,241 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sorry missed your post Mrs F.  That's awful news.  Thank goodness you have a good EF.  Going to take a while to rebuild it after the roof is done and paid for.  That spray on insulation has a lot to answer for.  It's something my DH wanted to do when we bought this property but I put my foot down and said NO.  So glad I did and we just have normal fibreglass stuff.
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