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Next steps; grip-relaxing bimbling, and avoiding the temptations
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Almost a week since I updated here, I can assure you, you have missed little or nothing beyond the normal rhythm of life here. Except that my exam results eventually appeared on Thursday. I passed both, with a credit for the one I resat.
I need to take three more and would need credits in at least two of them to stand a chance of a credit in my Advanced theory. At the moment I am one mark short as the average of the four I have is applied. The reason is because the first one (first exam for maybe 20 years) I only just got the passmark and I only got one mark over on one I took this time (but taking two, I am a little irked but not surprised!). I won't be resitting, just reflecting a bit.
I need to go through some family archives today as my Mum's cousin (actually my late Dad's cousin's husband) is writing his family history and has asked what I know about my Great Grandmother (paternal Grandmother's mother). I've sent him a couple of anecdotes from his late father too, with whom I spent a couple of happy hours in 2007 listening to him talk about his role during the 1969-1973 Northern Ireland troubles, when he had a senior role in an organisation I am very familiar with. We both loved it; him having someone who was interested enough to listen, and me, loving hearing about his role and how he and his wife dealt with a number of incidents.
Anyway, to more mundane day to day things, I am still thanking myself for the stores I have in and we are slowly working our way through these. Today... shopping. I had to shop as the last bag of cat litter has been deployed. None is stock over December but I managed to get some today. Enough for 2-4 weeks. My total for the month is just over £130 within an aim of £150. Lots of lovely seasonal veg, mostly and some extra milk as I will make a rice pudding. Proper winter food.
Oh yes, and I am thanking me for buying a short subscription for fresh flowers for my Mum. Only three months, through the dark months but she is absolutely loving them and no additional clutter in her house! Win-win! On that basis, I bought two bunches for £6 plus a reduced bunch of roses and our sitting room has cream roses, yellow carnations and orange multi-stemmed chrysanth's - they look very cheery and for under a tenner of personal spends
Happy days with a little more daylight. Hope all is well.Save £12k in 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here13 -
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-up4 -
I"ve got Daffs in a jug in our bedroom - makes me smile every motning, especially when the weather is grey!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)5
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Disastrous news yesterday. The man from the reputable, recommended local Solar Company arrived to see if he could determine why our solar arrays were not registering on the inverter or charging our battery, and he thoroughly reviewed the installation. Then he condemned it as unsafe and a fire hazard, in light of our house being predominantly thatched, with one array on a gently sloping roof that underhangs the main thatched roof at one end.
Just for the record, here are some of the issues he will include in his report:- the array on the slated roof has correctly used an under-slate fastening but has not replace a slate on top, so water ingress may have happened (or at best, we have caught it in time, but it needs redoing
- all the wiring between the panels in both arrays has been left sitting on the slates, not secured up in the air space under the PV panels - on a modern tiled roof, not so much of an issue, but under the run-off from a thatched roof, which has no gutter, it is sitting in a little river and his view is that something might have shorted. While the connectors are insulated, they are not waterproof or designed to sit in water
- the other array is on the cartlodge roof. In his view the pre-installation survey did not properly assess whether the roof was level and the dip in the middle that we attributed purely to the deterioration of the timber pillar that had been enclosed in brick, and had to have repaired, propped and replaced last year, was caused by the weight of the solar panels, and a proper survey should have reported this
- the cables on that roof are also not secured properly
- the DC cable from there has been run into a little junction box and then an inappropriate AC cable has been run from there - not armoured, in trunking or buried - it is on the fence. This is a fire hazard
- the materials used are not the quality specified in the survey specification, they are the equivalent of the savers or value range and not of the quality we have paid for
- the battery is not designed to be outdoors, but frankly, thank goodness it is not indoors, as it could be another fire risk, given the use of sub-standard components
- In his view, the panels are reusable but it looks like a DIY installation and does not meet the code of the association body that the installers are members of.
We have to contact the insurers today. The normal course of events is that they would have a chance to do the remedial work but frankly, we have no trust in them. They have not installed what we asked for, or what we paid for. The good piece of news is that the insurance policy is still valid. His view is that we should be able to get most of our money back.
The company used to do the install is a reputable company that were selected through a County Council promoted group buy scheme with supposedly, a discount. I suspect they used sub-contractors for every part of the work as they were probably overwhelmed by the number of customers who bought in to the scheme.
As you can imagine, everything else is a bit secondary at the moment. Unlike @foxgloves, we have electricity, just not our own.
Save £12k in 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here11 -
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 !!3 -
Oh no, that's dreadful. Hope it can get sorted out. Stay calm. XMaking 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-up4 -
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.
F2026'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!4 -
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)4
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Oh heck SL what a nightmare - and what a lucky escape too, by the sound of it. It's alarming that contractors employed through a seemingly reputable chain have turned out to be so utterly shoddy, too - I imagine you will be reporting the issues to every part of that chain from the County Council down!🎉 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/her5 -
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.3
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