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    • safehouse
    • By safehouse 25th May 15, 7:13 PM
    • 671Posts
    • 1,803Thanks
    safehouse
    one day at a time
    • #1
    • 25th May 15, 7:13 PM
    one day at a time 25th May 15 at 7:13 PM
    I am a 48 year old mother of one DS, I have a mortgage of 100,000 on my little bungalow and a few other debts CC etc of approx 5,000 or less..................
    We have a wonderful DS and quite successful business (for now anyway)………
    My OH is a functioning alcoholic, (there I said it), too look at him you would never know, and probably never believe it. When sober there isn't a better man walking, he is a hard worker, kind, considerate and a fantastic father. When he drinks, which is most evenings he can be all of the opposite. Don't get me wrong we do sometimes still have good days, especially when OH is on the wagon, but many more bad than good....
    I have been trying now for years to help my OH with his problem, his health has suffered but he refuses to stop. Xmas 2015 gave me the strength to take a massive step backwards, I am exhausted with it him mentally and physically, not to mention the affect this was having on my DS.
    OH can only help himself, it is not my duty and it has taken me a long time for me to accept this, but I finally have................I am now putting myself and my rock my DS first.
    Future protection in mind, I have been saving without his knowledge now for roughly 10 years scrimping with the intention of paying off our mortgage "My life the last 10 years have given me a terrible fear of being homeless to the point of constant nightmares".....To my amazement I have managed to secretly save £63,550 to date....(69,140 updated 19th November 2016)
    These are my reasons for wanting to pay my mortgage off as quickly as possible, I have no idea how long my OH will manage to carryon working or how much longer before our little business will crumble or how long the relationship will take the strain, I just know by focusing on saving for our future and my little house I get back a sense of control which helps get me through each week.
    I also have a diary to help keep me in check when tempted to spend and a place to throw out my emotions when I feel like I am falling backwards…………………


    DS 270…. CC 3,950 …. Mortgage £100,000 /£63,550/70,410 paid £36,450/29,590 remaining….Xmas Hols £40.00
    Last edited by safehouse; 19-12-2016 at 6:26 PM.
Page 44
    • Bobarella
    • By Bobarella 9th Apr 17, 6:24 PM
    • 10,310 Posts
    • 66,045 Thanks
    Bobarella
    Hope you are ok Safehouse. Thinking of you.
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.96 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.02 2016 £2,535.16 2015 £1027.20
    • safehouse
    • By safehouse 17th Apr 17, 11:15 AM
    • 671 Posts
    • 1,803 Thanks
    safehouse
    Thanks everyone.....its good to have somewhere to throw out all my personal cr*p...I must sound like a broken record xx
    Struggling through this long Easter weekend and thankful it is soon to come to an end....OH likes the bank holidays for obvious reasons.... it gives him an excuse for the usual, not that he needs one...for me I hate and I agree hate is a strong word but I do absolutely hate any Bank holiday, or any time off work for OH truth be told.....sad but true. The next Bank holiday weekend I have decided to book a weekend away for myself and DS thinking it is 1st May?...will check today.
    A massive £420 into the mortgage pot giving me close on 72k towards my mortgage ..... Also DS opened a first time buyers account new government scheme giving first time buyers cash towards there first property of up to 3k allowed to save approx 12k deposit but if DS bought my house in his name with the remaining saved into this account, then this would give us an extra chunk off the house (Not exactly clued up and need to look further into how it works, but worth some investigation).
    Bought some curtains from carbooty yesterday only £10 sold very similar pair on Teabay for £70 recently so have listed them for £65 .
    Right then time to take my little doggy for a nice walk and hope OH stays in bed until tomorrow please HaHa
    really not joking ....
    Happy Easter everyone and hope you are all having a lovely weekend xx



    CC 1,600 …. Mortgage £100,000 /£71,900 paid £28,100 left to save
    • TallGirl
    • By TallGirl 18th Apr 17, 10:17 AM
    • 3,974 Posts
    • 8,259 Thanks
    TallGirl
    Sorry to hear that but so glad you're going to book some time away definitely deserve that its then up to him to enjoy himself how he likes to without it impacting on you and DS.
    Save £12k in 17 no 93
    £2750/£12k
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 19th Apr 17, 6:17 PM
    • 7,872 Posts
    • 43,153 Thanks
    please-let-me-be-lucky
    Hope things have settled a bit again Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in April - 4/5
    Florida spending 'pot' - £252.40/£1000
    Lbs lost - 11.5
    • Bobarella
    • By Bobarella 19th Apr 17, 6:31 PM
    • 10,310 Posts
    • 66,045 Thanks
    Bobarella
    Hope you managed to get through bank holiday Safehouse.
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.96 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.02 2016 £2,535.16 2015 £1027.20
    • safehouse
    • By safehouse 20th Apr 17, 5:26 PM
    • 671 Posts
    • 1,803 Thanks
    safehouse
    Thanks Guys....Things have settled again for now.....not expecting a miracle but will definitely be enjoying this evening as OH has gone to Manchester and wont be back till very late Whoo Hoo I am loving every minute....
    Curtains sold for £55 best offer only paid £10 so approx £30 profit after postage and fees paid straight into mortgage .


    CC 1,600 …. Mortgage £100,000 /£71,930 paid £28,070 left to save
    • Bobarella
    • By Bobarella 20th Apr 17, 5:29 PM
    • 10,310 Posts
    • 66,045 Thanks
    Bobarella
    Glad you have a bit of you time today.
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.96 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.02 2016 £2,535.16 2015 £1027.20
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 20th Apr 17, 6:05 PM
    • 7,872 Posts
    • 43,153 Thanks
    please-let-me-be-lucky
    Have a lovely evening Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in April - 4/5
    Florida spending 'pot' - £252.40/£1000
    Lbs lost - 11.5
    • safehouse
    • By safehouse 21st Apr 17, 3:59 PM
    • 671 Posts
    • 1,803 Thanks
    safehouse
    Thank you, I had a wonderful evening.... feeling very chilled today... .

    Managed to save £80 for mortgage this week by sticking to a frugal week.... no silly spends and food shop kept to essentials only.....hoping to save a larger chunk next week fingers crossed .
    Full house clean this morning including all windows plus frame work inside and out....hate cleaning windows but get paid quite a lot extra and sun was shining so not to bad. Then popped round DMamas and gave her little flat a good clean along with more windows and fridge....have no energy left to do my own house
    Still trying to reduce garden rubbish ...mainly breaking up old fencing 1-2 bags a day but rubbish guys are not happy to take broken fencing using the brown bins....branches yes but wood from my old fencing no...........so need to ring my local council, trying to avoid paying rubbish removal...certainly wont be cheap
    I hear Tetley calling



    CC 1,600 …. Mortgage £100,000 /£72,010 paid £27,990 left to save
    • PurpleFairy26
    • By PurpleFairy26 21st Apr 17, 10:06 PM
    • 1,575 Posts
    • 10,668 Thanks
    PurpleFairy26
    Can you not offer the fencing for free on local Facebook. Maybe someone who has a wood burner? Free takeaway
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