We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

An in-between phase

1402403405407408497

Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    In the meanmeanmeanmeantime we regularly chase the council to look at and sign off on the consents that have been submitted, and are largely ignored

    We also have to pay for Building Controller as well as Warranty Inspector and make sure that they both attend at the correct times throughout the build as work will be defunct if they haven't signed off on it. Obviously they do not have matching stages at which they need to be in attendance

    And I'm sure I've overlooked several other things in this most tedious of tellings!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    We are doing all this on a necessarily constant basis all day every day along with our actual jobs and responsibilities.

    And I have a chronic pain condition and adenomyosis and am starting a job I have zero experience in next week because I'm running out of daily living money as the brave new future of AI has left the likes of me behind. And I'm still freaking out about Octopus and debt recovery agency. And interest rates have gone down yet again so savings are worth less but cost of living keeps going up.

    *pours self a large bottle of wine* 

    Grateful for the overall good health and happy relationships of me and mine, and that it's not cold, and for my lovely mse pals 🥂
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • KajiKita
    KajiKita Posts: 8,319 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 9 May at 7:46PM
    Am I allowed to ‘take out’ your surveyor ….?! 🙄

    Seriously though, well done for persisting with this. Please do keep going … I would love to think of you safely settled in a cosy home that is YOURS! A goal worth persisting for … 😊❤️

    KK 
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 56 books of target 52 in 2025, as @ 4th October 
    Produce tracker: £417 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Thanks @doingitanyway, you of all people know the weary teary feeling of living for years with that constant anxiety that there's no place that you can truly say is your home, with rights and everyfink.
    So very happy for you that you have your place by the sea now 🩷
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,832 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Absolutely @KajiKita, I'm sure you were meaning a special date on which you convinced him to be a better man/surveyor 😂
    I don't know anything about his personal leanings though so if Mr KK could do the same just to cover all bases 😁

    We have to keep going, our savings and the land wouldn't buy us a liveable gaff in London so it's either this comes good or we're completely destitute!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • beanielou
    beanielou Posts: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Passes wine. 🍷 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • dawnybabes
    dawnybabes Posts: 3,500 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Passes 🍩🍪🍰🍺🍺
    Sealed pot challenge 822

    Jan - £176.66 :j
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks @PennysIntoPounds I do know how you feel. But you get to the stage, as you know, where you just have to keep on pressing on, as the only way out is through. It will be worth it  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • KajiKita
    KajiKita Posts: 8,319 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Absolutely @KajiKita, I'm sure you were meaning a special date on which you convinced him to be a better man/surveyor 😂
    I don't know anything about his personal leanings though so if Mr KK could do the same just to cover all bases 😁

    I’m sure I was … <smiles darkly> … and yes, I’m sure Mr KK would be delighted to assist! 😉😂

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 56 books of target 52 in 2025, as @ 4th October 
    Produce tracker: £417 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. 
  • Blackcats
    Blackcats Posts: 3,987 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    jeepers creepers what a palaver.  Mr K McCloud glosses over a lot in his 1 hour programme!
    keep going - we are all with you even though we don't have any idea about what is required to build a home on your own land.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.