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    • sarahevie1
    • By sarahevie1 10th Apr 15, 12:36 AM
    • 465Posts
    • 2,435Thanks
    sarahevie's single quest to mortgage freedom
    • #1
    • 10th Apr 15, 12:36 AM
    sarahevie's single quest to mortgage freedom 10th Apr 15 at 12:36 AM
    I had a diary a while ago but I let it slip, my circumstances have changed massively in the last six months, so I am back aiming for one thing mortgage freedom.

    So about me, single mummy of three beautiful girls. Full time primary school teacher, I also have a Saturday job at a well known supermarket.

    About six months ago oh walked out on me after 12 years, I found myself 30, single and struggling. A few weeks later he was back, and we see each other most days, although he rents a flat in a nearby town. I've had to use literally all my savings to get the joint mortgage into my sole name, £20,000.

    My mum and dad paid oh his equity share of the house £10,000, will have to pay this back. Oh is now in the process of buying his own house, he's asked me to move into it with him, as he never felt like my house was his, although it was in joint names, I'm undecided about moving into ohs new house. All I know for certain is my house is my responsibility and the £58000 mortgage has to go.
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    • debtfreeoneday
    • By debtfreeoneday 20th Apr 17, 2:47 PM
    • 2,689 Posts
    • 9,124 Thanks
    We all have down days over blinkin debt. Sending big hugs your way, dust yourself down and you'll be good.

    Hope you are enjoying the hols x
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1415.40
    MFW (01/15) £118,031.21 £97,904.90
    • sarahevie1
    • By sarahevie1 20th Apr 17, 8:44 PM
    • 465 Posts
    • 2,435 Thanks
    I've ordered a new bed from ebay, at the end of the day, it's only money.

    Also throwing myself into diet and fitness again, have put on a stone in the last 3 weeks. I can't have a couple of meals out, and an Easter egg clearly without putting on loads of weight. It's a family thing, sooo frustrating.

    So today I have done a five mile hike and an hour trampolining. I will lose two stone
    Mortgage 1 - £44000 Value £283000 (Mortgage val survey Sept 15.) 24 years 3 monthsOPs 71670Without OPs balance 119000
    Mortgage 2 - £109000 Value £185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt £300,000 - Now £150000
    • sarahevie1
    • By sarahevie1 23rd Apr 17, 9:35 AM
    • 465 Posts
    • 2,435 Thanks
    Had a rather large bouquet of flowers arrive at my house this week, wasn't expecting this at all. It did lift me though as have been having a pretty dire week. Not sure why, as I've socially had the time of my life and spent loads of time with friends, kids and family but really fed up with working so hard and STILL having to look at the prices of EVERYTHING and consider EVERY purchase.

    Had my annual mortgage statement for my BTL this week and it shows overpaying is the only way forward. I've not overpaid it at all and in the last ten years I've paid back £92000 and only £47000 has come off the capital. When I'm mortgage free at home I'll be tackling this debt, but unlikely to be for another 5 years.
    Mortgage 1 - £44000 Value £283000 (Mortgage val survey Sept 15.) 24 years 3 monthsOPs 71670Without OPs balance 119000
    Mortgage 2 - £109000 Value £185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt £300,000 - Now £150000
    • Brodiebobs
    • By Brodiebobs 27th Apr 17, 4:15 PM
    • 753 Posts
    • 3,136 Thanks
    If it makes you feel any better I don't think I would ever stop looking at the prices of things.

    I joke that even if won the lottery (even though i'm too tight to buy tickets) however much i'm spending i always like to think i would get a 'deal' so wouldn't still shop around or bartering.
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
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