My debt free dream....

babyhead

So things to do are as follows....in no particular order :-

1/get all assignments completed. Have three remaining and then done until September. Would ideally like to get all these sorted by end of March at latest
2/once completed 1/ start to focus on selling bits. Should be warmer so can do some car boots too....
4/get all money owed in asap. SIL owes us 210 which needs to go on cc. havent mentioned before but when i see at weekend will say if dont pay then will have to cover interest. Make sure get catalogue money in each month (only 8/9 months to go now I think!:j woop woop)
5/sort out all bdays,easter and mothers day stuff for march/april/may. Going to have to have a think
6/have LHA benefit form if I need it in file (Plan A)
7/keep up to date with work and make sure i claim expenses (i have been bad at this since xmas not sure why??)
8/put on the required 1.5 stones. (this is harder than it sounds! I eat 3 meals a day plus cakes, biscuits and anything else I fancy AND have at least 2 supplement drinks and I still look like a stick :rolleyes: Its amazing how many calories I burn not doing a great deal)
9/go to lung support group. MUST do this as it will probably be worthwhile. need nagging on this one.
10/sort spreadsheets out and make sure can get cc/od/family cleared asap.

hypno06

If the shared ownership house has been on the market for 18 months, surely there is some scope to knock the price down, and that would mean that the rental portion should be less too? Would certainly be worth looking into......

babyhead

hypno - another carp thing on shared ownership - you can't offer. they have it valued by the "district valuer" and they go by the figure they give it. They are *sooooo* overpriced. It is stupid and is such a bad idea.

Good idea in theory though!! :rolleyes:

hypno06

Blimey, that is harsh!!

LydiaJ

Hi babyhead

A few years ago we were in a similar position - needed to rent a house to live in but OH had lost his job so had no income. In the end my parents agreed to be guarantors for our rent, and then the LA were happy to let us have a house.

I don't know if this would work for you, but if your parents have been able and willing to put you up, might they also be able and willing to do this for you?

It is absolutely absurd that you aren't considered financially secure enough to rent, but they're happy to saddle you with a shared ownership mortgage! What are they trying to do - push you into problem debt? ? :mad:

Well done for realising it would be a bad idea. I hope you find another way to get out from under your parents' feet!

Good luck,
Lydia.

babyhead

hypno06 wrote: »

Blimey, that is harsh!!

Yes it is!

babyhead

LydiaJ wrote: »

I don't know if this would work for you, but if your parents have been able and willing to put you up, might they also be able and willing to do this for you?

It is absolutely absurd that you aren't considered financially secure enough to rent, but they're happy to saddle you with a shared ownership mortgage! What are they trying to do - push you into problem debt? ? :mad:

Well done for realising it would be a bad idea. I hope you find another way to get out from under your parents' feet!

Good luck,
Lydia.

Thanks Lydia - Yes my parents have offered but it just makes life so complicated...
It is ludicrus! I think that is why my reaction was bad
Trouble is I have realised it would be bad idea but i'm still going to do it (unless Plan A comes together first!!) :rotfl: :rotfl:

I suppose it is more down to the fact the decision to go with shared ownership is not based on money. It is based on the need for our family to have a self sufficient life! And if we can be strict and save (once debt free!), buy 10% then save, buy 10% until we own it all it won't be too bad in 10 years time.

Anyway - now that im full of figures and DF dreams... I will have some tea! OMG - its monday tomorrow!!! ARGH!!

babyhead

:eek: Its Monday!:eek: Have lots to do today so can't mess about on MSE this morning!! D'oh!

Done banking scratchies etc....no surprises here. Need to ring tax credits to find out why they only paid half of what they said....got work to do first though :rolleyes:

Will catch up later !

babyhead

:eek: Well..Tuesday already...

done banking and scratchies...no major windfall unfortunately!
got some work to do this morning. woop woop :rolleyes: need to crack on as want to get it sorted this morning so can relax this arvo b4 going out this eve.

still need to ring tax creds - will do this arvo as have few other calls to make aswell.

must crack on - have a good day all !

tilly2484

Hey babyhead, just wanted to say i really enjoy reading your diary! Sometimes like i'm reading my own!

Keep it up and good luck