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An in-between phase

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  • doingitanyway
    doingitanyway Posts: 10,116 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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • KajiKita
    KajiKita Posts: 8,000 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Nil carborundum illegitimus ...

    KBO ...

    <and other mutterings to that ^^ effect>

    Hugs x

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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: 3,935 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.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,546 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    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
  • badmemory
    badmemory Posts: 9,811 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    If you can't contact them then you can't claim from them.  Seems to be the norm these days.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,546 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    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
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,546 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 3 September at 5:41PM
    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!
  • badmemory
    badmemory Posts: 9,811 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I suspect you already know that 8am is the best HMRC call time.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,546 Forumite
    1,000 Posts Second Anniversary Photogenic 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 😂
  • badmemory
    badmemory Posts: 9,811 Forumite
    Ninth Anniversary 1,000 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.
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