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@deedee79 Yeah that's correct. Thanks - it's just the 16% that horrified me when I saw it

@bellamas !Thanks

@tobyheath94101 !thanks I've always been a budgeting type of person but things have been rough over the last few months so I intend on getting back onto that, especially once my pay rise comes in soon ish. I can probably save around £500 p/m at the moment between both me and my partner working...

@cierrahopes I'm not sure to be honest, other houses in my street are at maybe 190k now during recent sales but the market is supposed to crash next year so I didn't think that factor counted? Also, a lot of lenders seem to be saying they'll take the lower option of current market value or the...

@latyneyez Most people you speak to in my area, it's a fairly deprived place for context.

@cmarie212 I'm hoping the government won't allow it to get that bad but I genuinely don't understand enough about how all this works. All I know is that people seem to think that the government won't do anything to help this situation and will just let it free fall. Honestly though, I don't know...

@bellamas Principality

@bellamas Don't think mine was one unfortunately but I'll look it up. I logged into my online account the other day and it said 3 months still (I'm sure it was 6 months before mind so I'm lost of how its shorter)

@onefootinheavenoneinhell None taken, I feel crazy right now - between my own concerns and those in my local area being unable to afford food and basic essentials, it's turning into the wilderness around here real fast and the media definitely isn't helping. My deal won't allow me to go...

@galactic_wolf !thanks for this

@nedlm10 !thanks

My fixed rate at 3.8% comes to an end next summer but I'm absolutely out of my mind with worry right now about whether I should cut my losses (e.g paying the exit fees) and grab a new deal now. I'm seeing deals at around 5 or 6% that I think I could easily get onto. However, I'm worried about...