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Resourcefulness: The budgeter's friend
Comments
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Ooof - that is quite a wack of dosh! Take a deep breath in and remember it will work itself out in the wash. The ouchiness of it is but temporary.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)5
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Ouch...sorry to hear about the extra costs. That stings.5
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Ow. Much sympathy. Remember to thank past you and past Mr F for the emergency funding!
Definitely stiff drink permittedhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5 -
Reading along in sympathy. Hugs xx“the princess jumped from the tower & she learned that she could fly all along. she never needed those wings.”
Amanda Lovelace, The Princess Saves Herself in this One4 -
Sorry to hear about the increase, that's just rubbish. Imagine the timbers need replacing like ours did? Glad they did manage to start work in this weather though and hopefully all done soon x5
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Ouchetty ouch! @foxgloves I know this is cold comfort, but imagine if this was pre LBM. Horrendous. You'll get through it and be warm and safely housed. Love Humdinger xx4
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Well at least they didn't put the new roof on the dodgy timbers, so they could go bankrupt in a few years & come back as the new entity to fit another new roof. Me cynical - never.6
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Thanks for your comments & support. Another significant problem has occured & we don't as yet know if it's connected to the roof situation. Investigations today. Only 2 hours sleep as feeling very stressed. Just having a coffee & trying to get my "I am a strong & resilient woman" head on. Mr F's day off today so at least we can face adversity together 😟
F2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!14 -
Oh heck … not what you needed. Glad you aren’t alone with it. Sending hugs xKKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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.5 -
Thanks, @KajiKita - Not going to lie - At the moment, I feel like taking a pile of coats, a hot water bottle & going to sit in the shed with a box over my head.2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!8
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