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Summertime

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  • redofromstart
    redofromstart Posts: 5,838 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    That all sounds rather challenging Rachmac. Hope there is no serious damage. 
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

    GNU Mr Redo

  • Wednesday2000
    Wednesday2000 Posts: 8,352 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    ^ Oh no, definitely get a professional opinion about that.



    2025 GOALS
    18/25 classes
    22/100 books



  • rachmac3
    rachmac3 Posts: 356 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    It's a regular occurrence, it's pretty much constantly under water in winter, but I really didn't expect in August so soon after clearing them. The ducks are happy at least!
    I am trying to turn my irritation into action. Currently on the phone trying to get through to the bank to increase my loan payments. Isn't it strange how I can do pretty much everything else through the chat except the thing that will save me interest.

    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,360 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    You're definitely earning more wine and chocolate today @rachmac3, eek to patio and booo to bank
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 36
  • Blackcats
    Blackcats Posts: 3,887 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    @rachmac3 - I agree it's fascinating how so many spending money options are easy or even automated.  Saving/not spending is not easy to achieve. I just navigated through screen after screen in order to cancel my dad's insurance auto renewal.  Still it's done now and I overcame my initial "just let it auto renew" instinct.

    now reading up on technical stuff to support an elderly relative who has gone into a care home.  They are blissfully happy there which is the main thing.  The paperwork has proven to be daunting and overwhelming for their partner so I'm happy to offer some support where I can.  
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Rang the AA and got the breakdown policy extended to cover a commercial vehicle for Mr KK’s van. That cost us a further £75 but that’s still only £214 in total compared to the £528 they wanted to charge Mr KK to renew existing cover!  

    KK 
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,360 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    That's tough @Blackcats, well done for your support. Thank goodness they're happy there, what a relief for all
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 36
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,360 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Cheeky beggars @KajiKita, well done you!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 36
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    PennysIntoPounds said:
    Cheeky beggars @KajiKita, well done you!
    I kept expecting them to refuse the policy, but they didn’t … 🤷‍♀️

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    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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