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An in-between phase
Comments
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Well to be fair, I got through 40+ years before I heard of it! 😊 Only learned about it when I tried to be vegan and was issuing Worcester sauce.
KKAs 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
Read 56 books of target 52 in 2025, as @ 4th October
Produce tracker: £417 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.2 -
Henderson's relish is also a coeliac friendly alternative to worcestershire sauceFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family3 -
Survey
Spec work
Build admin. Lots of build admin. Todays highlight was finding out there's a subsection of an agreement we have to get a different agreement for with the council as they want us to pay 2k to update their kerb. Such a racket.
Usuals
Walk, submitted a YouSpot
Receipt survey
Prepped pasta bake for dinner
Little walk with Mr PIP for a beer in the last of the sun. Coming out of personal spends of course, though given the amount we're having to find for the build I would feel completely justified in finally getting build mortgage and spending the first stage of money on debauchery 😂
Hope everyone's week has started well 🍻https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r65 -
I think the debauchery would be good while it lasted but the metaphorical (& actual) morning after would be grim!2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)1 -
Very true @foxgloves and I wouldn't actually be that irresponsible but it's nice to briefly daydream about all the ways one can give two fingers up to the expensive powers that be.
I mean, 2k because they want the kerb that has nothing to do with us fixed and know there's nothing in the world we can do about it other than pay.
Give me strength (and debauchery 😁)
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
2k to update the kerb. Daylight robbery...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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720251 -
Another money making scam from the council. It will be one heck of a fancy kerb for £2000! Talk about the streets of London being paved with gold.
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Usuals
Walk, found 20p. McMo tokens are very thin on the ground!
Went on a listings rampage, always still more to do though
Today's build admin highlight was finding out we need to pay £695 for indemnity insurance because someone told their buyer in 1901 they couldn't build more than one house there 🙄https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r60 -
I would be demanding written proof of something that happened 114 years ago & evidence from the person who signed it!!!!!!!!! Alternatively you could build just one house with 2 kitchens etc that just has one ground level door that adjoins them. This could even save you some council tax. They really are trying very hard to ramp up the charges aren't they.0
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Ha @badmemory we had considered all 'living in one big house that happens to have two front doors and a massive wall in the middle' but don't think we could get away with it now the plot has been split on the land registry title deeds.
I asked the solicitor why, if the titles have been split, we're in breach if we are only building one house on our lot, and she has pointed out that there's also a clause saying we need the vendor's permission for any works.
I am in a play dumb mood (tbf not much pretending happening, I have no idea what any of this means in law) so have asked her if we can't just get the vendors permission and if we can't because he's from over 100 years ago then who is it we're indemnifying ourselves against.
I expect we'll just have to pay it like we just have to pay everything that makes zero sense, but it's good for the soul to at least be awkward in the face of powerlessnesshttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r61
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