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An in-between phase
Comments
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Thanks your explanation on 'too cold for snow' is the best I have ever heard, made sense to my brain 🧠PennysIntoPounds said:Surely you're getting treated to a bit of sleet as well for it to warrant 'wet snow' @Watty1 😁
Loved seeing the Greenwich light, maybe I'm a bit sentimental but I was like 'that's the actual timeline, off of being the actual time, that is effin amazing that is'
Eep, wrap up warm @Rhyddid2026. Afaik 'too cold to snow' is kinda nonsense but in a roundabout way true as if its colder in the sky/clouds then less or no snow can form cos they're dried out from being cold whereas you need moisture for snow, what with it being wet stuff. So it depends on if the above you weather has enough 'condensation' at the right levels of cold and moist.
That was a terrible explanation, just layer up.
When you have time you can sort your log store out and look forward to your Dec/Jan/Feb self thanking you 😊
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 family4 -
oh now I understand to cold to snow!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 !!3 -
beanielou said:Any idea when you can get some of the monies from the mortgage?
Hmm. We're, um, deliberating on how to approach lender without dropping BiL in the brown stuff. If they agree with what his solicitor has done then we can potentially submit the same. If they don't and his solicitor has not done it properly, then none of us have money which is even worse than just me and Mr PIP having no money...
Today's to-do list includes trying out several ways of phrasing it before sending!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 Carmichael7 -
That all sounds very stressful Pip!Debts 04/01/25 02/02/26
Natwest2 £6,509.97 £5,100
NatWest CC £7,612.74 £6,535
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £3.53
CC total £20,411.34 £16,088.53
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7,655
Total £36,195.78 £27,743.53
EF £1,100.13
HF £101.434 -
Usuals
Build admin
Entered some competitions, I do not know where I'm putting all these hampers that are definitely on their way
Half wussy situps
Bits off the to-do list
Vinted listing
Off to see some pals for a beer shortly, got stuffed pasta for a two minute dinner 🍻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 Carmichael6 -
Good luck!PennysIntoPounds said:beanielou said:Any idea when you can get some of the monies from the mortgage?
Hmm. We're, um, deliberating on how to approach lender without dropping BiL in the brown stuff. If they agree with what his solicitor has done then we can potentially submit the same. If they don't and his solicitor has not done it properly, then none of us have money which is even worse than just me and Mr PIP having no money...
Today's to-do list includes trying out several ways of phrasing it before sending!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.2 -
All this build stuff sounds horrendously complicated 😞 So many hoops to jump through.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Admin
Tidying
Comping
Build admin
We may be getting mortgage soon though we're a bit feeling like there's an issue but we don't know what it is and can't put our finger on it.
Might just be discomfort at having to swallow pride at rubbish solicitor actually being the one who can resolve it all
Nice walk getting olio bread
More steps getting essentials from aldi
Survey
Couple of receipt surveys
Few vinted listings
Build admin
Mum popped round for a drink which was nice, she's had her new hearing aids and is joke complaining that everything's too loud, which is a massive relief as there's a point hearing can't be aided but it's not now 🥂
Supermarket pizza for dinner
Hope everyone is having a fabulous Fridayhttps://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 Carmichael6 -
I'm listening to nostalgic Barry White in the bath, with a cup of decaf. I'm not sure that counts as fabulous, but a welcome break after a day of dealing with my building stuff.
Hope the mortgage niggle is just nerves and not reality.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
Sounds a very well deserved break @redofromstart
We've been discussing it and we can only think it's being so unused to things going right with this build that we're looking for the catch when there isn't one we can identify.
No-one's been duplicitous, everything is agreed by legal and banking professionals, maybe I'm just disappointed that we couldn't magic up tons of money and will have to pay nearly 6% interest- we have done such an exhausting job for so long of begging, borrowing, selling and surveying to scrape money together that it's probably disconcerting us that things might go smoothly 👀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 Carmichael8
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