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An in-between phase
Comments
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@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
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 -
I have no useful suggestions so am just sending hugs of sympathy and support … x
KK
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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.2 -
Eurgh! Just…… eurgh! 😞
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.762 -
I wish there was something I could do to help. 🤗
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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.3 -
Thanks for the continued sympathy. What a sh*tshow.
Though I did make a banging cannelloni with ginger and saffron for dinner so swings and roundabouts innit
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 -
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 McGee1 -
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 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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.3 -
Just caught up and a thought occurred to me - can "someone" prove to you why you need the partition and fire door on the property? The reason I put this is that in my distant past a building control chap told me that the step I had had built into my house was not acceptable because a wheelchair could not use it.
Now I am all for making things accessible but if that was an issue then the wheelchair would have gone up the ramp he was insisting on and promptly got stuck because the lobby was too small to turn a wheelchair around in and none of the property doors were wide enough for a wheelchair so his comments were frankly ridiculous
He said he would not be able to sign the work off without and I needed to rethink the whole front of the property so there would be a gradual slope etc. When challenged and asked for the evidence of this requirement and with the approved plans waved under his nose he backed down.
Please check your requirements - I know it is a faff but it is better than spending £1000s on something - and don't trust the blighters in hard hats!
Rant over - on another matter - I want glow in the dark strips mentioned a few pages back. I have no idea where I will use them but I do WANT them.
.
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 !!5 -
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
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 -
Have entered lots of competitions and taken a lot of pics for vinted. And added up my income for tax return because I suddenly got the fear invigilating on top of freelance work and surveys was going to take me over the personal allowance limit even though chance would be a fine thing 😂 I guess it felt like a way of wresting back some small slither of control over the insanity of the build
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 Carmichael9
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