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An in-between phase

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Comments

  • beanielou
    beanielou Posts: 101,496
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Well done to you on the mortgage OP.

    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]
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,397
    1,000 Posts Fourth Anniversary Name Dropper
    Forumite

    Had to scrape the windshield of the car this morning so you found your coats just in time

  • KajiKita
    KajiKita Posts: 10,911
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite

    Mortgage OP!! 🎉🥳🎊

    Welcome to the club 😊❤️

    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 74 books of target 52 in 2026 as @ 14th 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: 7,535
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    Thanks young bean @beanielou, a drop in the ocean but got to keep on plodding on!

    Ugh @WelshmansDaughter, I am not looking forward to constant horrible/freezing weather for the next seven months. Even started looking up how much it would cost to get a place with winter sun not too dreadful a flight away. Not going to happen!

    Thanks @KajiKita, we have somehow managed a couple already, but what would be really great is if the builder does the legal admin part of his job we've been asking him to do for months so we can try to get a better mortgage rate

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • beanielou
    beanielou Posts: 101,496
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Plodding on is always good. Hate hate hate the winter too.

    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]
  • KajiKita
    KajiKita Posts: 10,911
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite

    < Sends legal admin vibes … Vigorous ones! >

    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 74 books of target 52 in 2026 as @ 14th 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. 
  • Rhyddid2026
    Rhyddid2026 Posts: 1,578
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite

    I used free toiletries to wash and style my hair today - thought of you! 😄

    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 £250
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,397
    1,000 Posts Fourth Anniversary Name Dropper
    Forumite

    It wasn't winter ready so I ended up scraping the windshield with the bucket part of a paw patrol vehicle. I was very entertained singing the song to myself.

  • PennysIntoPounds
    PennysIntoPounds Posts: 7,535
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    Build admin
    Usuals
    Entered some competitions
    Half wussy situps
    Shower and hairwash using free/bargain toiletries (I shall try not to think of you next time I'm in the shower @Rhyddid2026, but no guarantees 😂)
    Spec work
    Survey
    Small carpet walks throughout the day as it is orrible out there
    Vinted money Aim £500 Got £210

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
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