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Summertime
Comments
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That all sounds rather challenging Rachmac. Hope there is no serious damage.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
^ Oh no, definitely get a professional opinion about that.
2 -
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 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.041 -
You're definitely earning more wine and chocolate today @rachmac3, eek to patio and booo to bankhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
@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.3 -
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!KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.3 -
That's tough @Blackcats, well done for your support. Thank goodness they're happy there, what a relief for allhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael0 -
Cheeky beggars @KajiKita, well done you!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
I kept expecting them to refuse the policy, but they didn’t … 🤷♀️PennysIntoPounds said:Cheeky beggars @KajiKita, well done you!
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.2 -
Two OATs for me today!
Rang and increased the monthly mortgage payment by £18.43 - it's a round(er) number now and should shave 5 months off the end date 😊 Been meaning to do that since we fixed again in November 🙄 Not made a mortgage OP since July 2021 apparently so it's nice to be back on the wagon!
And I finally finished making the last set of curtains for the study 😃 Delighted with this. They've had crappy old ones that didn't match and didn't fit since we moved in 7 years ago, and now they finally match and are made to fit 😃 Just in time for my mum to visit on Thursday - she'll be able to have curtains on all three windows while she's sleeping 😊6
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