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An in-between phase
Comments
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That was a busy day!!
L
Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1241 -
It really sounds as though things are ramping up now to finally getting yourselves moved in - and I am VERY excited on your behalf!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Can you also be packing on my behalf @EssexHebridean 😂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1 -
Survey
Half wussy situps
Usuals
Packing
Steps dropping off shoes recycling, fabrics recycling, and charity shop bag
Some COAs
Steps dropping off another charity shop bag, getting beers with coop member voucher, and getting key cut
More COAs and packing
Steps getting a beer for us each using up loyalty points accrued in a local craft beer place
More packing
Going over to mum's for a veggie spag bol this evening 😊
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty4 -
I hope the spag bol and beer were nice. What's a COA? Well done on all that hard work. Just keep swimming. I hope you have lots of good news from all that chasing.
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
July NSD challenge 11/10
July AFD challenge 1/140 -
Look, it as less than 3 years ago that we moved and I am still having packing trauma flashbacks, so absolutely, categorically and definitively no! 😂
Do you actually have to move everything on "moving day" or will you have some crossover?
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
COA is change of address, I think
L
Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
COA is indeed change of address. Santander absolutely doing my head in insisting I verify my identity before changing my address then their app being utterly unable to scan my passport.
Every other bank it was a five second job but there always has to be some issue with Santander
We need to move everything on moving day @EssexHebridean
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty0 -
When exactly is moving day ….??
KK - holding poms-poms at the ready …
As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- 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 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £188 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.0 -
Sant were a PITA - ask whether you can go into a branch with ID docs with the new address and do it that way PiP - that as what I did in the end IIRC.
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0
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