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Brie I used to get bribed with kittens when my OH had done/bought/wanted something that I wouldn't be happy about. Eight cats at his/my worst!
so many OATs and so little energy here so I'm tackling the small things first. This does not involve kittens.
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
I'm filthy and sweaty but I think I've done it. Three boxes packed, contents listed, weighed, redistributed to make weight limits.
I am exhausted.
I'll look at the paperwork tomorrow.
Debts 04/01/25 02/03/26
Natwest2 £6,509.97 £4,940
NatWest CC £7,612.74 £6,465
Lloyds CC £6,112.60 £4,335
1st Direct CC £176.03 £33.94
CC total £20,411.34 £15,773.94
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £3,800
1st Direct Loan £10,684.44 £7,425
Total £36,195.78 £26,998.94
EF £1,500.38
HF £175.546 -
congrats @Rhyddid2026 🍾🥂🎉🧁🍩🥳
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Be proud.
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.3 -
I’ve arranged to go and see my neighbours for coffee to talk about heat pumps, so need to clean my laptop screen and keyboard before I go!
Yesterday’s call to Octopus resulted in my export for Feb being credited, so I’m now in credit not debt (by £5, but we’re now into the time of year when I expect to export more than I import, so I shouldn’t have anymore bills until I start running the heating using electricity).
Karcher claimed yesterday that they were sending out a replacement pump via 24 hour courier and that it should arrive today. However, yet again, no tracking details have been sent… so who knows.
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As at 15.02.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £220,873
- 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 19 books of target 52 in 2026 as @ 2nd March.
Produce tracker: £44 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 -
Forms somewhat filled in, office called, pick up date provisionally arranged.
Debts 04/01/25 02/03/26
Natwest2 £6,509.97 £4,940
NatWest CC £7,612.74 £6,465
Lloyds CC £6,112.60 £4,335
1st Direct CC £176.03 £33.94
CC total £20,411.34 £15,773.94
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £3,800
1st Direct Loan £10,684.44 £7,425
Total £36,195.78 £26,998.94
EF £1,500.38
HF £175.543 -
My Octopus export for Feb didn't show up when I expected it either. Phone call later & it came through - all under £4 of it.
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Well done @Rhyddid2026 👏 I can't wait for it to be gone so I can't imagine how excited and relieved you'll be!
@greenbee @badmemory this is why we're delaying getting our meter installed at the build as there's a £15 standing charge each month and while we 'might' be able to make credit by exporting, I don’t trust octopus in the slightest to automatically let alone honestly apply that to the account while we're not there to check it
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 -
Octopus are getting so big now I wonder if they have had to have a system change. This is the first time things haven't gone to plan in the 18 months I have been with them.
2
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