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An in-between phase

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  • EssexHebridean
    EssexHebridean Posts: 26,456
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    Hello - we make newspaper bricks which replace some of the logs/solid fuel we use on the fire in the winter. For kindling we use a combination of scrunched paper/card (anything from newspaper to the cardboard sleeves that surround yogurt pots. Old shopping receipts also make brilliant firelighting paper!) with very dry sticks - usually scavenged from the local area. In terms of "normal" firelighters though we always like the wood-wool ones which are impregnated with wax, those do a lovely job and are relatively eco-friendly. Around £2.99 as a bag usually, although to be honest we rarly use them.

    🎉 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 at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00 at 31/12/25 = £ 91,100.00
    Balance as at 31/08/26 = £ 84,500.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • KajiKita
    KajiKita Posts: 10,958
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    Glad plumber/builder turned up and got stuck in 😊👏

    What did you decide for the planters in the end?

    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 78 books of target 52 in 2026 as @ 29th 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,602
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    Er @KajiKita after careful planning and research I got tired and overwhelmed and just sent them a list of things I like and said to send it if they have it in stock and I will see what survives 😂

  • foxgloves
    foxgloves Posts: 13,828
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    I used to be very naive about new builds. I've never lived in one but always assumed that they would be in 100% tip-top order with no issues on moving in. I learned otherwise when I met Mr F who had recently bought a new-build with his ex which had already developed some quite long cracks in the plaster. He complained to the developer about them but was told it's completely normal for things to 'settle'. I didn't check Roget's but I couldn't see how 'settle' was synonymous with 'crack'. Ah well, silly me!

    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • beanielou
    beanielou Posts: 101,618
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    My inside conservatory roof has a slight hairline in it. Has not moved in 6 years. My house was a new build by a small company nearly 40 years ago. Not sure I would have a new build again. I think the quality of build has decreased a lot over the years.

    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****
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  • EssexHebridean
    EssexHebridean Posts: 26,456
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    I think there is a huge difference between "new build specifically for me" and general "new build on an estate which we've just decided to buy" - the former I could se us doing at some stage, the latter definitely not! I'd agree with Beanie - the quality now doesn't seem to be as high from what I've seen when friends have bought new builds.

    🎉 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 at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00 at 31/12/25 = £ 91,100.00
    Balance as at 31/08/26 = £ 84,500.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • foxgloves
    foxgloves Posts: 13,828
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    I suspect Beanie is right about quality in recent years. I think with some of these big powerful housebuilding companies, profit is everything.

    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • KajiKita
    KajiKita Posts: 10,958
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    I don’t think it helps that so many of these new, new builds are timber frame and that mooooves over time. Plus, if there is no effective oversight of the job and how it’s being done, critical details like making sure the staircase is properly tied into the wall in a three storey town house gets missed …! 😳 (A remedial that Mr KK had to deal with once).

    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 78 books of target 52 in 2026 as @ 29th 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. 
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