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An in-between phase

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  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Champagne and fromage sounds excellent. I tend to end up with Prosecco and quavers which isn’t the same vibe at all 😬
    Not all who wander are lost - J.R.R.Tolkien
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    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • doingitanyway
    doingitanyway Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Haha @WinterWarrior that would work too!!
    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

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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,811 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Ooh will put it on the 'when I have money' list @doingitanyway!
    Dinner of champions @WinterWarrior 😁
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

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  • redofromstart
    redofromstart Posts: 5,928 Forumite
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    Prosecco and crisps was mostly how I put the weight on to be honest.  The last drinks I had (dry since March!) included some yellow label veuve clicquot champagne which was very nice indeed.  
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,811 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Not much done today as chronic pain condition having a bit of an iffy day.

    Usuals

    Entered some competitions, today I'm mostly looking forward to winning a Tuscan hamper (and cash)

    Receipt survey

    Had to cancel going to an exhibition with my friend which is a bit rubbish but neither public transport or putting my unstable body near priceless art seemed a good idea

    Ten minute carpet walk

    Did a lot of mind numbing research on pensions to answer why one of the invigilators said we might not get full state pension. All fine. I hope.

    Steps to local with Mr PIP to do summat nice.
    Got a missed call from mortgage provider our application is with. I hate phone calls but thought I'd better call them back even though it was odd they hadn't only or also called Mr PIP, or enquired through the portal.
    The cheeky b*ggers were calling me to ask why I get PiP! They'd asked once on the portal saying it was in case I needed additional support from them, I replied and said I don't.
    They then asked again on the portal without the pretence it was for my benefit and our mortgage broker stepped in and said this is inappropriate (we have not in any way put the PiP money as evidence of our ability to make payments, they just saw it on the bank statements we had to provide).
    This was a while ago so we thought they'd realised it was probably illegal, then they called me today, circumventing our broker, and did the same thing, went 'we need to make sure we're safeguarding you and offer you support'.
    I said I don't need any.
    They asked if they could keep this irrelevant financial information on file.
    I said no.
    They then again gave up pretence it was for my benefit and asked if I would just tell them.
    I said no!
    Though me and Mr PIP keep being very tempted that I say 'leg disabled' and hope they're fans of The IT Crowd

    The reclaiming of containers from the freezer continues, for dinner Mr PIP is having the last portion of pasta bake and I'm having pasta tapas made up of all the last two or three bites of various pasta meals I haven't wanted to waste
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

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  • beanielou
    beanielou Posts: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What a dire broker. 
    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.

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  • KajiKita
    KajiKita Posts: 8,281 Forumite
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    That’s just soooo intrusive … 😢

    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

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