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An in-between phase

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Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 7,196 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    @KajiKita It seems like someone who is not us has majorly f*cked up somewhere along the line so its another loooong headf*ck trying to work out who and where. Architect? Surveyor? Council? Builder? Building Controller? This makes Gordian knot look like child's play. And my sword has been confiscated.

    Thanks all for your support. Feeling utterly f*cked right now, we are in so much debt and it just keeps getting fuel added to the fire. BIL and SIL are meant to be moving in in just over a week! So priority is to get everything as sorted as possible so they and their kid have an actual home. Builder can go whistle for his only-in-his-own-head sign off dates for the whole build, though I would rather not p*ss off the person entrusted with our actual home

    I am exhausted and skint and fuming and skint and worried and skint

  • KajiKita
    KajiKita Posts: 10,654 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    I have no useful suggestions so am just sending hugs of sympathy and support … x

    KK

    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 61 books of target 52 in 2026 as @ 23rd August. 
    Produce tracker: £222 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. 
  • Rhyddid2026
    Rhyddid2026 Posts: 1,467 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Eurgh! Just…… eurgh! 😞

    Debts                04/01/25       03/08/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £10,078
    Lloyds CC          £6,112.60      £3,595
    1st Direct CC     £176.03         £33.93
    CC total             £20,411.34    £13,706.93
    OD                     £1100            £0
    Car loan             £4,000          £2,800
    1st Direct Loan  £10,684.44    £4,875
    Total                  £36,195.78    £21,381.93
    EF £2,550
    HF £100
  • beanielou
    beanielou Posts: 100,991 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    I wish there was something I could do to help. 🤗

    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. 13 months left.
  • jwil
    jwil Posts: 23,832 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    So sorry to hear this, what a palaver

    "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 McGee
  • KajiKita
    KajiKita Posts: 10,654 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Another thought, now that I have slept and my brain is working a bit better ….

    Hopefully once BiL et al are in, and can start settling in, the pressure will drop for all of you including the builder, so everyone will have a bit more mental space for wrestling radiators, shower screens and wandering partitions…. Here’s hoping! 🤞

    KK

    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 61 books of target 52 in 2026 as @ 23rd August. 
    Produce tracker: £222 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,196 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Thanks everyone. Discussions are underway, fingers crossed 🤞

    WoB and TCB money Aim £1112.45 Got £352.45

    Spec work

    Usuals

    Build admin

    Half wussy situps

    Carpet walk

    Survey

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