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Next steps; grip-relaxing bimbling, and avoiding the temptations

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,805 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    I bought daffs the other day & they have opened out & really cheering the kitchen up stood on the windowsill. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,324....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £200/3000


    Studies/surveys June £115.98

    Decluttering items 1400/
    2025.  345/2026
    Books read    23 in 2025.  2026- 14  (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Watty1
    Watty1 Posts: 8,359 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    oh my goodness that is, well , I have no words. how devastating.  I hope the insurance can help and quickly.
    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 !!
  • Makingabobor2
    Makingabobor2 Posts: 4,805 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Oh no, that's dreadful. Hope it can get sorted out. Stay calm. X
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,324....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £200/3000


    Studies/surveys June £115.98

    Decluttering items 1400/
    2025.  345/2026
    Books read    23 in 2025.  2026- 14  (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • foxgloves
    foxgloves Posts: 13,430 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Ohhhh, that is awful. I stand with you in solidarity after the awfulness of last week. Appalling that the work doesn't meet standards. You may well be right about sub-contractors & installations being treated as little more than 'cash cow' units. I do hope it can be sorted out & that you can recover costs. 
    F
    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!
  • rtandon27
    rtandon27 Posts: 6,834 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh dear @Suffolk_lass - what a horrid situation to find yourselves in!  Very glad to hear that there is an independent report that you can use with the insurers.  If you find yourself with the energy to do it after the main issues have been corrected to your satisfaction, the same report can be used to inform the governing body of the lapse in standards of the company & their certified installers.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original End Date - Sept 2041 New projection - Sep 2038 (reduced by 3 years)
  • beanielou
    beanielou Posts: 100,239 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is dreadful. So worrying and disturbing. So sorry. 
    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. 15months left.
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