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An in-between phase

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Comments

  • KajiKita
    KajiKita Posts: 9,536 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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.

    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. 
  • Baileys_Babe
    Baileys_Babe Posts: 6,606 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 22 September 2025 at 6:43AM
    Henderson's relish is also a coeliac friendly alternative to worcestershire sauce
    Fashion 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 family 
  • foxgloves
    foxgloves Posts: 13,112 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think the debauchery would be good while it lasted but the metaphorical (& actual) morning after would be grim!
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (5/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
  • 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/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
  • 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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • Blackcats
    Blackcats Posts: 4,303 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    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.

  • 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/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 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.
  • 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 powerlessness 
    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
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