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An in-between phase
Comments
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At least you’ve tided away the £0.45 😊👏
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 13 books of target 52 in 2026 as @ 12th 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 -
It’s just never ending.
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 -
And the 2 @KajiKita, don't forget the 2! That's three of the five digits dun that is, its practically sorted 😂
Innit just @beanielou. Still haven't heard back from BS about them putting us on the wrong higher interest rate, it's been over a week since I emailed them and over three weeks they've been overcharging us. You'd think at least a quick conciliatory email if nothing else, but complete silence. If they're going to behave like this then I'm going to start practicing my compo face, bar stewards
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 -
Well isn't that just a very handy number! Very pleasing!
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 £101.432 -
That build is the gift that just keeps on giving 😞 Hopefully in the not too distant future all this hassle will be worthwhile 🤞
I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
Half wussy situps
Usuals
Build admin
Visit to the site
Got a valentines chocolate off a train guard
Then it all went a bit sh*te...
The paint in the bedrooms has not come out anywhere near to what we wanted. It is yellow, we ordered pinkish terracotta.
The tiles in the bathroom are blue. We ordered green.
The trains back were cancelled.
Traipsed to nearest tube and (North Londoners will understand the horror) had to get off at Camden on a Saturday afternoon.
BS is doing essential maintenance on website and app. On a Saturday daytime. So can't even submit complaint.
Went pub.
Happy Valentines and Galentines all 🥂
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 Carmichael3 -
Whit. How can pinkish terracotta become yellow far less green tiles become blue!!
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 -
Hope the pub manages to soothe all ills! How frustrating with the house and the BS.
"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 McGee0 -
I literally asked Mr PIP if we were in the wrong house @beanielou 😂 The paint looks so different on the tin (and website) to what is on the walls. Appreciate there can be a fair amount of shade variation but not an entirely different colour. Won't be buying Dunelm again!
With the tiles it looks like they sent the wrong ones. Unfortunately builder has installed them. Unfortunately I can't be doing with it. I see arguments with supplier and builder ahead, but we bought everything else based around them being the colour we wanted, I'm trying not to be a diva but I am absolutely not spending the next minimum few years going to the loo multiple times every day and being cross and sad and thinking it all looks sh*t.
Thanks @jwil we have takeaway pizza and Masked Singer coming up this evening so we are refusing to be in a bad mood!
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 Carmichael2 -
Pinkish terracotta sounds lovely
Thumbs down to all the mismatches.
Thumbs up to pub, TV and pizza
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) 25/07/20250
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