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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

An in-between phase

1471472474476477582

Comments

  • doingitanyway
    doingitanyway Posts: 10,837 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I'm lost for words on the build incompetence...so will focus elsewhere...nice PB win...
    I like your simple suppers...cheese, new potatoes and salad, lovely  :)
    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • KajiKita
    KajiKita Posts: 9,535 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Nil carborundum illegitimus ...

    KBO ...

    <and other mutterings to that ^^ effect>

    Hugs x

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 14 books of target 52 in 2026 as @ 15th February.
    Produce tracker: £39 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. 
  • Blackcats
    Blackcats Posts: 4,303 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I'm trying to help an elderly relative liaise with adult social care at their local council.  No phone numbers and no address on their official letterhead.  I wasn't that easily deterred and got the name of the Director and address from t'interweb but my relative who doesn't have an email account was flummoxed.  It doesn't seem to me that the systems that local authorities have put in place are designed with local folk in mind.
  • Thank you @doingitanyway
    Though in the spirit of my September/autumn aim to be the bosses of our own kitchen cupboards, Mr PIP is making a curry tonight! Will be especially useful to use up the small remnant of rice in the massive storage container 🙄😁

    Thanks @KajiKita for the hugs and mutterings to that effect 

    Madness how councils largely seem to be there to hinder rather than help folk @Blackcats, so bloody depressing
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • badmemory
    badmemory Posts: 10,337 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    If you can't contact them then you can't claim from them.  Seems to be the norm these days.
  • We've had months of trying to get hold of council departments begging them to let us give them money @badmemory! The whole system needs to sort its life out, and yes I'm looking at you too HMRC, who I need to call tomorrow and am absolutely dreading it
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,933 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 3 September 2025 at 4:41PM
    Build sums given jiggerypokery and PB win-
    Next bill needed is 10k 😂😂😂
    But I already have £7 and that's a bigger number than the 1 and the 0 so basically smashing it

    Small bits of build admin
    Usuals
    Half wussy situps

    Sorted out palaver with a vinted buyer not collecting their parcel

    Steps dropping off fabrics recycling.
    Spotted a tub of Quality Street in Sainsers on offer at £4.95 which is 90p per 100g which is remarkably good value these days.
    Obviously the shelf price was wrong and had gone back up to £7 (yes, seven pounds) but happily they honoured it and I had enough nectar points to take £2.50 off 🥂

    Listed some books on vinted, feel like that is not going to take off but no harm in having a go

    Various bits off the to-do list

    Hope everyone's hatches are feeling sufficiently battened down, have to appreciate this lengthy storm for making it in no way appealing to spend money going to the pub!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • badmemory
    badmemory Posts: 10,337 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    I suspect you already know that 8am is the best HMRC call time.
  • Thanks @badmemory, I was aware of that and will try my best but 8am is not my best asking sensible questions and understanding the answers time 😂
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • badmemory
    badmemory Posts: 10,337 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Thanks @badmemory, I was aware of that and will try my best but 8am is not my best asking sensible questions and understanding the answers time 😂

    Definitely not my best time either, but as they say needs must when the devil (HMRC) drives.
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
  • 353.5K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455K Spending & Discounts
  • 246.6K Work, Benefits & Business
  • 602.9K Mortgages, Homes & Bills
  • 178.1K Life & Family
  • 260.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K 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.