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An in-between phase
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< swiftly sends STRONG, cat scented, anti-murine odours as a repellent > !As at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 35 books of target 52 in 2025, as @ 13th July
Produce tracker: £205 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.1 -
Yes, more cattish....no, LIONish thoughts from here to your fiendish furry intruder! May he be gone, and not return!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Great news on PB win!
Hope the mouse has left the buildingIf 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 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)1 -
Mr PIP has to have root canal and has to wait a probable six months-one year 😐
Invigilating
Usuals
Build admin
Situps
Carpet walk
Couple of surveys
Finished a book, Back to the Local published in 1949. A delight
About to meet a bestie for a couple of post work beers 😊1 -
That’s nuts, he can’t wait that long! Is there no chance he could go private?
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 35 books of target 52 in 2025, as @ 13th July
Produce tracker: £205 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.0 -
Isn't it @KajiKita
We'll have to see how it goes, we don't have that money available. Hopefully the antibiotics he's been given will keep pain at bay for a bit. Crazy that one arm of healthcare is saying we have to do everything possible to stop antimicrobial resistance and another is saying there are no appointments so we'll just keep prescribing you antibiotics for a year 😔1 -
Would it be an option for it to come out?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.0 -
That's a shocking amount of time to wait for a root canal! My dentist went private years ago and I pay monthly via Denplan. I get 2 check ups and 3 hygienist visits a year plus any treatment is covered. Mr SA's dentist is NHS and he gets a check up once a year which has reminded me it seems a lot longer than that since he last went. They usually send him a reminder to book an appointment, hope he's not fallen off their books.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Mr PIP would prefer to try to keep hold of his teeth as far as possible @beanielou which I respect, and it would cost more anyway
Hope Mr SA hasn't fallen off their books @Sun_Addict, it can be hard work finding another NHS dentist1 -
What a miserable and soggy old day!
Not much to report but mse activity was:
Usuals
Survey
Build admin
Free exercise of 25 minute walk getting a clock battery changed for mum
Started ordering some gifts with saved vouchers for Mr PIP's birthday1
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