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A fresh start

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  • So pleased all went well have been thinking about you - certainly the fresh start that you all need

    Hugs
    DTxx
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Well done S.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    glad that the move went well. hope you can get the rest sorted soon.
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • beanielou
    beanielou Posts: 95,578 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope that all is as well as oit can be.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Thanks everyone for the good wishes. The move was definitely the right decision, we are all much happier. I feel very positive about the future, although it is more uncertain than ever. My financial issues are changing as we are going to sell our house and so I can pay off debts. Yet as things stand I don't have the income to keep renting this house for long, so I need to look into other options, such as shared ownership, etc. If anyone knows about affordable housing for a single parent, I'd be grateful for pointers. And of course the need to earn more, more reliably, is still there.

    I think it's time to end this diary, and start a new one, I will do that when I have the time to think about it properly.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • taxi73
    taxi73 Posts: 20,815 Forumite
    maybe you can get some benefits to help
  • Sea I have walked in your shoes and it is a scary place to be BUT being in control of your own life makes it all worth while and it is so so so worth it. I think back sometimes to my old life and I just shudder. All the best to you xx
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • tootallulah
    tootallulah Posts: 2,197 Forumite
    I bought a shared ownership flat (single person) many years ago and in my block two others were purchasing because of marital breakdown. your changed circumstances will help you qualify. It isn't perfect as a shared owner you are responsible for all repairs etc but don't own the house. However over time you can buy more (I fully owned mine within six years). Without shared ownershio I would not have got on the housing ladder, my pay was too low and by the time I earned enough the housing market had bolted.
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    Hey Seax
    Happy New Year
    Did you ever start that new diary. I did have a look a couple of times.
    I am guessing it has been a bit head down, trying to make it work type stuff.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Hi chev, I'm absolutely fine but not posting here as strangely, debt-busting is not top priority for me now. I'm continuing to pay down my old faithful debts but have taken on some shiny new ones to pay for my new home and unaffordable paying-for-two-households lifestyle.

    My top priority is to negotiate a settlement with my ex-partner that is fair to both of us and the children. And to sell our house. Once that's done we will both have some money, and no debts, and I can forge ahead with a new life of solvency - I hope!

    My earnings are way too low and I'm applying for a well paid job. Please keep fingers crossed.

    But apart from money stress, I'm very happy.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



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