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An in-between phase
Comments
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Well done Mr Pip 👏make sure it is added to his CV if he is ever looking for a new job 😉
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
It’s definitely something Mr PiP could talk about at interviews when asked, when have you tackled a challenge outside your experience or comfort zone 😊👏
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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 -
The cheapest flats up here are on for around 30k so if it all gets too much there's an escape plan
2 -
Well done to Mr PIP!
"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 -
Well done - but - I'm more interested in the cat tbh 😍
@welshmansdaughter that is my escape plan of last resort - move somewhere were flats are in the 30K range and give up!
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 !!3 -
I can highly recommend a full house in my valley for 60k if anyone fancies an escape 😂
I'll help you paint.
Debts 04/01/25 01/10/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2503 -
To be fair watty you could get something quite nice up here in your actual budget. Lots of horsy people in this neck of the woods
2 -
Well done Mr Pip.
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.[/b] [11 months left.[/b]3 -
Thanks all!
I see what you're doing @WelshmansDaughter, trying to lure us up there with affordable housing then next thing we know we'll be roped into nephew-sitting and postie shifts 😁
Survey
Admins
Shower and hairwash using free toiletries
Carpet walk
Flat clean, laundry, and repotting plants
Popped over to mums to get a small table as I've ran out of surface for plant cuttings 😁 My back don't arf ache!
Wrapped mum's birthday gifts for later this week
Mr PIP has been at the build shifting stuff that was left in the lock-up we were hiring, not impressed with the builder a) telling us to buy way more than was needed and b) not letting us know in time for us to return anything. Going to contact all the retailers and ask if they'll buy any back from us at mates rates but not holding out much hope! Did not need this extra job but ah well. We'll see if we can flog any on FBM etc too. No bad vibes on a Sunday! 🍻
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty6 -
Builder measuring in centimetres & buying in inches, does not surprise me. Although when I had some work done I was quite surprised to find that they did indeed have to measure one way in cms & the other in inches - I mean still!
3
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