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An in-between phase

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Comments

  • EssexHebridean
    EssexHebridean Posts: 26,018 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    When they are actually in the door with all their belongings, I should think! 
    🎉 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 Calculator
    she/her
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,781 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    When we've got rid of half our belongings so we can fit through the door @EssexHebridean 😂
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,781 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Usuals

    Four surveys

    Shower and hairwash using free toiletries

    Renewed vinted listings

    Steps getting olio bread

    Five listings

    We finally have a (sort of) mortgage.
    Half of it in my account.
    Laters potaters, I'm off to Bermuda 😂
  • beanielou
    beanielou Posts: 100,092 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That’s good.  

    Enjoy your trip 🤣🤣
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,781 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Thanks young bean @beanielou 🇧🇲  😂
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,172 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Avoid the triangle 🤣
  • KajiKita
    KajiKita Posts: 10,219 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    edited 22 January at 9:00PM
    Thank you for your considered response to my question. 
    Those sound like good tactics for maintaining an even mental keel through all of this. 

    Is the house design inherently dark or is it just because it’s unfinished atm? FWIW, from my experience, spaces indoors feel COMPLETELY different once there is plaster on the walls, flooring and lighting. 😊🌞

    Really hoping, even though in so many ways it feels like a compromise and a hard won one at that, it becomes a home and a safe space for you in time x

    KK
    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 40 books of target 52 in 2026 as @ 14th June. 
    Produce tracker: £139 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. 
  • Sun_Addict
    Sun_Addict Posts: 25,675 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I can’t believe the build is finally going to be completed this year after all the red tape and setbacks. So pleased for you 🥳 Once you’ve settled in it will soon feel like home. 

    In the meantime enjoy Bermuda 🍹🏝️🤣
    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
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