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An in-between phase
Comments
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Thanks for the suggestions.
Have called BS, they said I was probably locked out because I'd put my password in wrong three times. I'd only tried once (and I didn't put it in wrong). Such b*llshit.
Anyway, logged in and now panicking about how quickly our debt is going up
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 -
Is the asset (house) going up in value in relation to the debt ….? I suspect it is 😊
Then you get the satisfaction of working out how much of the house you own as you pay down the debt - I think we own about half of ours now, if you look at what we could sell it for.
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
Interest only mortgage @KajiKita 😭
Usuals
Shower and hairwash using free toiletries
Survey
Checked street books and DVDs on apps, couple of quids worth accepted
Free exercise of half wussy situps
Build admin
Steps getting essentials, found some more books and DVDs, couple accepted by the resell apps
Three receipt surveys
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 -
Hopefully you have one of the ‘free half hour’ lawyers in your area?As you say, surely withholding your own financial information from youhas to be illegal?
Very best wishes with it all.1 -
Thanks @liselle no need as we're back in the account now, just cross that they did it, combined with being cross that they're charging us the wrong higher interest rate, on top of being cross about their shoddy conduct throughout the entire process, so triply cross!
Have spent all day wondering where we can get 4k from so we can stop paying interest on the interest. This is still naively thinking that surely they'll sort out our interest rate soon and refund the difference. It is literally sickening seeing it go up instead of down
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 -
Admin
Tidying
Comping
Updated vinted listings
Free exercise of walk round the manor
Survey
Build admin
Mum popped round for a cuppa with the free paper
Prepped dinner for friend coming round later
Someone came by to buy an item for a couple of quid so that's gone in the groceries pot
Happy Friday 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 Carmichael6 -
That sounds like a productive and more-like-PiP day 😊
Hope you enjoy your evening ❤️
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
Happy Friday 🥂🍷🍹🍻
I get knocked down but I get up again (Chumbawamba, Tubthumping)1 -
Yesterday was good
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) 25/07/20251 -
Ha thanks @KajiKita. Have spent 48 hours wondering why I bothered asking for help on the fence sizing issue when what has become apparent is that somehow I am the only person involved in this build who has ever actually seen a fence.
Keep sending those drinks @Sun_Addict 😂😂🥂
Cheers @doingitanyway
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
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