Massive debts

gargrave50

Tixy wrote: »

Just caught up Gar

Glad you liked the house - sounds like OH understands it would be a good deal, I love the term 'forever house' - very Phil & Kirstie. Hope its good news on affording a mortgage and that your letters to keep creditors at bay have helped to make it do-able.
Fingers crossed for you.

So are you doing 'real work' now rather than shadowing others and learning the job? Hows it going? are you enjoying it and is it what you imagined?

Hi Tixy,

Well now i'm a REAL midwife, sadly it is what I imagined. Under staffed to a dangerous level with 2 midwives to 30 women in the wards. The people are lovely and sometimes it is fine, but its a very real responsibility now. Spend the entire week very busy which is good as before I know it its time for home! Can't wait for pay day - hoping to hear from Next re: F&F which was a bit cheeky I'll grant you!:rolleyes:

Hubby and I are seeing a financial advisor on Saturday re: mortgage to check whether its affordable and to see whether we can get a mortgage offer based on the home report price against the price we are offering (valued at £220k, have good info that she would accept £190k:D). The house had the most lovely "feel" when I walked in, can't wait to see if hubby feels the same on Friday. Flying home at 0705 Friday morning - so that will be an early start! Will post Friday afternoon after the viewing:eek:

"Forever house" - think I might have pinched that one from Phil and Kirstie!:rotfl::rotfl::rotfl::rotfl::rotfl:

gargrave50

jazza77 wrote: »

Discovered your diary the other week and have read thru all of it - ur an inspiration to others like me :T.

Re. loan to value though, unfortunately I think you'll find that the bank will use the lower of the valuation or the price paid

Hi Jazza

Wow you read all of it!!!!!:eek:

What's your situation Jazza, have you been requesting CCA's etc or are you just at the beginning of tackling your debts? The entire forum is a great support and reading others diaries finally gave me my lightbulb moment:idea:. It's hard work, but funnily enough not as scary as ignoring the unopened bills as they came through the door :rotfl::rotfl::rotfl::rotfl:.

Re: the mortgage, hubby and I are seeing a financial advisor (friend of the family) on Saturday to establish the facts and see whether (a) it is affordable and (b) we stand a chance of getting a mortgage offer.

Keep in touch, thanks for reading the entire thing - thats a mammoth undertaking!;) xx Julie

gargrave50

Hi all!:hello:

Well, for the first time since registration I was a REAL midwife today:j. I put a lady on a trace to monitor the baby's heart rate, went to see to another woman and when I came back there was massive dips in the trace. Often when it looks like that it is simply that the baby has moved and the toco has picked up mum's pulse instead. So, I sat there and held it on, only to discover massive dips in the heart rate slow to recover. Called for the medical staff to review, who immediately said she should be transferred to labour ward for monitoring. I took her down to labour ward and stayed with her - the trace was crap. I handed over to another midwife, and within the hour she had an emergency C-section. All is well :j. Thank God I went back in the room:eek:.

Anyway, away from the dramatics of my day at work..........:rotfl::rotfl::rotfl::rotfl:

Just about to make my dinner, have a bath and a nice glass of wine. Heading home early in the morning (bus at 0510 for a flight at 0705), so an early night. And.... tomorrow me and hubby go to view the "forever" home together:j. Will post an update once I get home to a mountain of post!:eek:

gargrave50

The glass of wine and the bath were lovely, but just discovered I was looking at the wrong timetable for the bus, and actually my bus is at 4.56am:eek:

gargrave50

Morning all - home safe and sound. Even on Friday 13th!!! Going to see the house at 2.15pm yay!:j

Nothing exciting in all the post - do you believe it?!:rolleyes:

No letter from Next saying "yes Mrs G - we would be delighted to accept your offer of tuppence to settle your £1042 account". Shocker:eek:.

dancingfairy

Wow - you have been so busy. Glad you're doing o.k with the new job. The house sounds (and looks) lovely. Hope you can get the finances sorted - it's all double dutch to me I'm afraid but it sounds like you're thinking it all through.
New house is o.k - not as nice as old one but landlord was selling so we had to move - house is a bit tatty around the edges and needs a bit of tlc but apart from that it's o.k (oh and all the boxes still!) - oh and the imersion heater thing packed up on wednesday - brrrrr. Electrician coming tomorrow. Going to look for a job then hopefully start saving for a dream holiday (to Australia to visit OH's nieces and nephews which he hasn't met yet (oldest one is 10 I think)) then hoping to get a deposit and get on the housing ladder - eeeek.
df

gargrave50

Hi df,

Wow the trip of a lifetime to Australia - now there is motivation!!!:j

Looking for an Electrician - if only you were in Glasgow - I happen to be married to an Electrician!:rotfl::rotfl::rotfl::rotfl: Put an offer on the house today of £190k:eek:

Tixy

gargrave50 wrote: »

Hi df,

Wow the trip of a lifetime to Australia - now there is motivation!!!:j

Looking for an Electrician - if only you were in Glasgow - I happen to be married to an Electrician!:rotfl::rotfl::rotfl::rotfl: Put an offer on the house today of £190k:eek:

:j:jWhoop whoop - oh my, how exciting (oh wait - you did tell OH you put it on didn't you - that would be a fun suprise for him :rotfl:)

So is yours going on the market? Yikes - mad de-clutter then -good job you started selling unwanted stuff on ebay!

gargrave50

Tixy wrote: »

:j:jWhoop whoop - oh my, how exciting (oh wait - you did tell OH you put it on didn't you - that would be a fun suprise for him :rotfl:)

So is yours going on the market? Yikes - mad de-clutter then -good job you started selling unwanted stuff on ebay!

Yes Tixy for the first time ever it was all above board and we put an offer in together. Hubby wants to go to £195k, but I think we should leave it on the table for a couple of weeks first before we think about that.

Did some Xmas shopping in town - with survey vouchers of course:D.

Spent £4.95 in the art store on 3x A2 white card to make XFactor posters. We spent the night with a takeaway pizza for £6, and made Xfactor posters then watched strictly and x-factor. Lots of fun for just over a tenner. Used my vouchers to get a nice bottle of wine from M&S:D

gargrave50

Not putting our house on the market until they accept our offer, as if they don't, I won't move:rolleyes:. Massive risk I know:o