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An in-between phase
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That sounds positive with the builder - althiigh no more than he should be doing! Hopefully at the worst it will end up with a compromise that you can accept, at least.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Glad there has been some sensible movement from the builder.Riot Women is Awesome! 🤩 ❤️🎉🥳🎊 I feel SEEN …
KKAs 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.0 -
Loved Riot Women.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.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 21 months left.0 -
Really enjoyed it though was not expecting to cry quite so many times! @lucielle @KajiKita @beanielou
And cannot stop singing Violet, which is unfortunate both for my throat and anyone who can hear me 😁
We'll see what occurs @EssexHebridean, the place is so small and dark (surrounded by neighbouring walls and garages, and we had to dig down to get planning permission to not intrude on other houses) that having bad stairs would really make the place feel and look so much sh*tter so we feel stressed but justified in digging our heels in as far as we can!
If we need to live with a compromise then so it goes, I just want to not. be. f*cking. ignored.
I can't think why Riot Women chimed with me 😂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 Carmichael4 -
Not laughing out here. At all. Honest! 😂😂😂😂😂❤️😊PennysIntoPounds said:Really enjoyed it though was not expecting to cry quite so many times! @lucielle @KajiKita @beanielou
And cannot stop singing Violet, which is unfortunate both for my throat and anyone who can hear me 😁
We'll see what occurs @EssexHebridean, the place is so small and dark (surrounded by neighbouring walls and garages, and we had to dig down to get planning permission to not intrude on other houses) that having bad stairs would really make the place feel and look so much sh*tter so we feel stressed but justified in digging our heels in as far as we can!
If we need to live with a compromise then so it goes, I just want to not. be. f*cking. ignored.
I can't think why Riot Women chimed with me 😂
KKAs 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.1 -
Half wussy situps
Usuals
Survey
Saw a m.o.u.s.e last night so we did some furniture moving to where it was seen running to but couldn't find any holes to block up. If there are holes behind the radiator then there's nothing we can do about that so will just hope it's let itself out and won't fancy returning!
Shower and hairwash
Walk with Mr PIP for Sunday beer and build admin.
The green hop beer and the background reggae are definitely helping with the good vibes only, while we're making this long list of work we need to do!
Hope everyone is having a good one 🍻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 Carmichael5 -
Well my chronic pain condition has gone insane for no reason other than 'existing' so I'm feeling a bit dread-ful about lacking in energy and time tomorrow what with everything taking triple the time, including e.g. the enormous and complex job of taking a sip of water 🙄
Mr PIP offered to put some ketchup on my plate during dinner after seeing me puzzling over opening the lid at various angles like a condiment is a rubiks cube. I do not have high hopes of productivity tomorrow, which is especially annoying as I had put 'do the things' on the to-do list
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 Carmichael4 -
Keep plodding. The stress most likely won’t be helping xI 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.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 21 months left.2 -
As I catch up with the planning and building tales here, I really want to (a) get planning permission - but (b) never build.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 !!2 -
Aw sorry you have had a flareup, not surprising given the stairs saga and general build shenanigans. The To Do list can wait. Take care, read, and give yourself multiple treats xIf 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) 25/07/20252
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