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An in-between phase

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  • beanielou
    beanielou Posts: 96,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It’s just beyond belief. 
    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.

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  • Sun_Addict
    Sun_Addict Posts: 24,331 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I can’t believe how incompetent all these no doubt highly paid people are 🤬
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Watty1
    Watty1 Posts: 7,146 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Another astonished at incompetence 

    I paid capital gains tax on the rental I owned when I sold it to PPH.  It was rented and an allowance was made for the time lived in it but you don’t pay CGT on main residence sales unless land involved (bet PPH never paid that tho!) 



    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,807 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    A rainy day and a lazy mood, the small things wot got done:

    Had a wee survey cashout and a little vinted sale money come through so shares to usual pots, £2 more in 2084.23 aim

    30 minute carpet walk

    Survey

    Reading lots, completely counts as productive as  it makes for potential WoB money. Yep.

    £275 on the PB, thank you Ernie 😊

    Another 30 minute carpet walk

    Two vinted listings

    Dinner is ys baby potatoes with cheese and salad
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,807 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Today's build brilliance has been Mr PIP's brother getting an email from the council to register to vote at the new address. Which isn't built. And they got the address wrong. And none of the other three of us got one. Is anyone in a position of any authority in this country able to do the simplest task in any way correctly?
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

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  • badmemory
    badmemory Posts: 9,981 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Perhaps this means that they have approved everything.  I would say they are beyond belief but I suspect most of do not believe that.
  • ladyholly
    ladyholly Posts: 4,011 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The incompetence in this country is astonishing. Mr LH calls it "the British disease". 
  • badmemory
    badmemory Posts: 9,981 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I find the really annoying thing is that those with a "lesser" status wouldn't get away with it.  The thing is that it isn't new.  Back in 1969 (not a typo) I was buying a house with my then fiance & we made the mistake of using the venders solicitor to save money.  I read what I was signing, wrong & larger house, solicitor, it won't matter, ex it won't matter. Solicitor charged us for going back & signing the correct documents.  Five years later different solicitor tried to give half our house to ex's parents,  my father (not a solicitor) stopped that one.  I could go on but it never ends.
    I just want to know why it is we need to know as much as a solicitor when we are paying them a fortune because we don't have a choice.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,807 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Council have most definitely not approved everything unfortunately @badmemory
    We got an email the other day from one of the million council departments, none of whom speak to any of the others, asking for our completion date and nearly had to get the Tena's out for laughing so hard 😐

    I hear the bureaucracy in other nearby countries is even worse @ladyholly so if we ever unexpectedly have enough money for a place in the sun it'll be on the South Coast of Britain for our three days of sun (non consecutive, terms and conditions apply) 😂
    I agree though there does seem to be a wilful lack of joined up thinking in Britain by those who could improve things 

    That is shocking @badmemory. Phew for your father. It is all such a racket. I will never understand why we have to pay a solicitor thousands of pounds to receive the money from the lender and send it to our bank account, as if a building society isn't able to transfer money they choose to release to the people whose accounts they've scrutinised and who they made the contract with. Absolute nonsense 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

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  • badmemory
    badmemory Posts: 9,981 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    The money thing is all a hangover from the past when it used to take ages to get money out of the bank, so it got lodged with the solicitor & they would basically say alright all the money for all these transactions is now in place "lets go".  But now money even very large sums is moveable in minutes.
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