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An in-between phase
Comments
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Ye gods its dreadful not being able to see more than the first two lines of a quote post!
SStill, As long as JimCat is okay, we shall soldier bravely forward @Blackcats
I refuse to correct the new forum formatting like it's my fault! ⬆️
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 Carmichael1 -
We will all get used to it. Eventually ….
And at least we don't pay a penny for it …
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.2 -
We had this thing with abbreviated quotes before and they changed it back because it wholesale DID NOT WORK!
Oddly enough nothing is showing double spaced for me at all - I'd say I also hadn't noticed about the edit option being missing but I wouldn't have done as it's apparently still present on a PC and as far as I can think I haven't posted on the tablet since the update!
🎉 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/her2 -
Balls, need an extra £1800 for building society fee
Aim £6.31 to make up shortfall of building society fee
Then
Aim £2400
Got £19.31
Two listings
Usuals
Survey
Waited in for contractor about another leak, who did not show up.
Waited in for olio collection, who did
Carpet walk
Popped laptop round to mums as she has a zoom call tonight and her laptop speakers refuse to work with zoom
Shoulder in agonies today so the plan is staying very still, having sofa beer and trying to make £6.31!
Dinner is spicy bean burgers that mum gave us so very mse, and freezer chips 🍻
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 -
Ugh to building society fee … 😢
Sympathies on the shoulder x
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.3 -
Ouch to the extra fee 😕
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Tbf it was in the documents from aaaages ago, but is not what the broker told us. Too tired with pain to get cross so swings and roundabouts!
40p made on a survey
& 16p
& 11p
& 7p
& 11p
& 45p
Enabling me to cashout £4.34, 86p of which has to go in taxes pot, so £3.48/£6.31 done
Need £2.83
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 -
I hate the new forum double spacing everything so very very much
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 -
Boo to the shoulder
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.1 -
Hopefully shoulder is better for the rest
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 !!1
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