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  • FIRST POST
    • benbenandme
    • By benbenandme 27th Dec 16, 7:03 PM
    • 10,121Posts
    • 26,005Thanks
    benbenandme
    Ready to do it all over again ...
    • #1
    • 27th Dec 16, 7:03 PM
    Ready to do it all over again ... 27th Dec 16 at 7:03 PM
    Hello, thank you for popping by

    I have been a regular on the debt free diaries board for years as well as dipping in here at times. I did join in Tallgirls Mortgage Free in 3 Challenge several years ago and have had several diaries over the years. This is the first time I've had one here though despite never actually being in debt I always felt it could happen oh so easily so treated myself as if I was a dfw.

    So, 2017 and my new diary here ...

    I have lived in my lovely flat with my ds (13) for the last 9 years and finally it looks as though we will be moving in the new year. I have sold my flat to a cash buyer and have had an offer accepted on a 2 bed little house. I will probably put stuff into storage and stay with my Mum for a few weeks while the house goes through as my buyers are very keen to complete asap and I don't want to risk losing them as I have already had one sale fall through due to brexit.

    Normally at this point between Christmas and New Year I begin planning my aims for the coming year, setting goals - usually financial related, and generally getting everything organised ready to tackle whatever I have planned. This normally is a £££ goal to knock off the mortgage etc.

    This year however everything is a bit unknown as I can't predict how much I can save etc at this point. But what I can do is take stock of exactly where I'm at now and make lists, I do like lists , of things I need to do to make as many pennies as possible / minimise spends where possible.
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
Page 11
    • beanielou
    • By beanielou 14th Mar 17, 10:43 PM
    • 47,208 Posts
    • 169,582 Thanks
    beanielou
    You can only do what you think is best for your DS.
    It is such a difficult age.
    I really feel for you & for your DS.
    Shame on the school for not having all the help it can in place.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Pooky
    • By Pooky 15th Mar 17, 7:32 AM
    • 6,697 Posts
    • 41,236 Thanks
    Pooky
    I think you need to go with your heart on this one. You know him better than anyone and if home schooling feels right then go for it. Join your local home ed groups so that you can still socialise and make sure his dad helps too. There's plenty he can be doing to help out even if he only sees him a couple of times a month. You may find other home ed parents that are happy to do some sort of lesson share too.

    This is a hideous age for teenagers and the amount of love and support you put in now will pay off big time in years to come.

    Will a change of job/income have an impact on your mortgage application? (If you need a mortgage that is)
    "Start every day off with a smile and get it over with" - W. C. Field.
    • benbenandme
    • By benbenandme 15th Mar 17, 7:41 AM
    • 10,121 Posts
    • 26,005 Thanks
    benbenandme
    The mortgage application has all been agreed, I should just about be able to manage but it will frugal living for a couple of years Ultimately I know I can get by financially, this place has taught me that over the years, and if it means ds survives the next two years, my mental health and his are shaky right now due to all this stress and it would be worth every penny to get that back to normal for us both. I told the doctor I believe he's depressed, I checked his arms for self-harming the other night as I don't think he's a million miles away from that.
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • polki
    • By polki 15th Mar 17, 8:44 AM
    • 495 Posts
    • 441 Thanks
    polki
    I am sorry to hear your news - sending pm
    • blackcatsx2
    • By blackcatsx2 15th Mar 17, 7:32 PM
    • 59 Posts
    • 553 Thanks
    blackcatsx2
    I'm sorry too. Sent you a PM too
    • tigzem
    • By tigzem 16th Mar 17, 10:43 PM
    • 2,321 Posts
    • 3,530 Thanks
    tigzem
    Oh BB I'm really sorry to read this.... I think you need to follow your heart in this, you know what's right for DS.

    As for jobs, would you do care work? I work for HCC and we're recruiting... could do 25hrs a week so could fit around DS? Money isn't bad xx
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
    • benbenandme
    • By benbenandme 20th Mar 17, 9:16 AM
    • 10,121 Posts
    • 26,005 Thanks
    benbenandme
    Thanks Tigz but I have accepted the Sainsburys job for now - as long as I get at least 4 hours a week overtime it will work out fine.
    I have the meeting with school tonight, will see what happens there.

    In better news though, I have received a text from the mortgage company today to say the money will b e transferred to my solicitor on thursday, so I'm guessing we may still be on to complete this friday?? If not it should be at the start of next week Fingers crossed xx Let's see what this week brings
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • beanielou
    • By beanielou 20th Mar 17, 9:52 AM
    • 47,208 Posts
    • 169,582 Thanks
    beanielou
    Hope this week is a better one for you.
    Hope meeting tonight goes as well as it can do.
    Take care of you.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • polki
    • By polki 20th Mar 17, 10:39 AM
    • 495 Posts
    • 441 Thanks
    polki
    Good luck with your meeting and well done on getting the job. I hope everything falls into place for you this week and you can start looking forward to a bright future for you both. Take care.
    • benbenandme
    • By benbenandme 20th Mar 17, 10:47 AM
    • 10,121 Posts
    • 26,005 Thanks
    benbenandme
    Thanks both I just desperately want to complete on the house so I can then hand in my notice at work, at least we have the Easter holidays coming up so I won't have to go for two weeks of my notice period
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • beanielou
    • By beanielou 20th Mar 17, 6:00 PM
    • 47,208 Posts
    • 169,582 Thanks
    beanielou
    Can you not just hand your notice in?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • benbenandme
    • By benbenandme 21st Mar 17, 2:44 PM
    • 10,121 Posts
    • 26,005 Thanks
    benbenandme
    Not until the house is completed Beanie in case the mortgage company do any more checks before completion.

    So, further update ... yesterday I had the meeting with school and they have chosen to put lots in place to support ds, with the proviso that if things don't go well I can still remove him before we hit the permanent exclusion point. I am going to give this a go, it is preferable than a new school for him. He will return on a reduced timetable to begin with, which will be fine while I'm signed off. I need to decide what to do about the new job now, although the house is a bigger thing to keep me occupied right now - we were told we would exchange yesterday, it didn't happen so today I am sat around waiting for a call. The solicitor rang earlier to say the buyers solicitor had another question and wanted the service charges sent across. I pointed out we had already answered the question previously and have emailed the service charges twice ... am now waiting to hear if/when we exchange. Everyone is still on for completing this friday I am so excited / scared / stressed all rolled into one, this isn't doing my "signed off to destress" time any good at all
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • beanielou
    • By beanielou 21st Mar 17, 3:10 PM
    • 47,208 Posts
    • 169,582 Thanks
    beanielou
    Ah sorry benben I hadent thought of the mortgage company doing more checks!
    Hope hope all completes very soon for you.
    Glad that the school are finally putting things in place for your DS~better late than never & I hope all goes well.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • blackcatsx2
    • By blackcatsx2 21st Mar 17, 8:00 PM
    • 59 Posts
    • 553 Thanks
    blackcatsx2
    The school plan sounds quite positive which is good - it's worth a try. I'm keeping my fingers crossed that your house sale goes through this week. I exchanged last Friday and complete this Friday and it feels like a weight is gradually lifting, notwithstanding final packing, cleaning etc. I hope the time away from work is helping too.
    • benbenandme
    • By benbenandme 23rd Mar 17, 2:13 PM
    • 10,121 Posts
    • 26,005 Thanks
    benbenandme
    We exchanged contracts about an hour ago and are completing tomorrow I have sooo much to do it's crazy, I may not be around on here much for a bit as I haven't yet arranged new broadband etc, but hey, no point doing things the simple way huh!?
    Next chapter here I come
    Good luck Blackcats with your move tomorrow too xx
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • dangers
    • By dangers 23rd Mar 17, 8:49 PM
    • 1,396 Posts
    • 2,590 Thanks
    dangers
    What excellent news. Good luck with the move tomorrow and I look forward to hearing that you've moved in and settled ok.
    • Alisonpennypincher
    • By Alisonpennypincher 24th Mar 17, 11:13 AM
    • 380 Posts
    • 1,907 Thanks
    Alisonpennypincher
    Best of luck with the move BB, and fingers crossed the school's decision will make life a bit easier on you both.
    • blackcatsx2
    • By blackcatsx2 25th Mar 17, 9:30 AM
    • 59 Posts
    • 553 Thanks
    blackcatsx2
    Great news Benben. Hope the move went well. Waking up today in my new home feels like being on holiday - that was until I saw all the boxes still to be unpacked! Have a great weekend in your new home.
    • TallGirl
    • By TallGirl 25th Mar 17, 9:38 AM
    • 4,140 Posts
    • 8,579 Thanks
    TallGirl
    Great news re moving hope it all goes well. Sounds positive re the school hope it works for him and he settles back in.
    • savingmore
    • By savingmore 25th Mar 17, 8:23 PM
    • 360 Posts
    • 2,290 Thanks
    savingmore
    so sorry for the stress but so glad you have completed. await your new thread from new house with expectation. so glad that has worked out for you.

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