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Benbenandme's Coffee Shop ... All welcome!
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Sorry to hear about the other mum again
Glad yesterday was ok as could be mmmm foodNow a SAHM trying to earn some spare pennies each month0 -
Tescos have been already, so I still have a couple of hours free before ds comes home. It came in at £46 inc delivery (had a £5 off code), and I did okay with a couple of price match substitutions
The flat is getting tidier, still quite a bit to do but it looks fsirly presentable. I think its cos I know we brak up on friday and I've got a whole week off to catch up on the housework that I'm not that bothered about itSo maybe I'll finish my coffee, have a little mooch on here til 12 then go out for a walk for an hour or so and try and get my step count up a bit
Mortgage Total: £51,549 / £75,000
Mortgage Overpayments Pot £10790 -
I've found a property I really really want on rightmove
why oh why do i look??? Hmm, its on the market for £225,000. Mine could realistically sell for 160-170k, I could offer 210 for it ... would mean after the mortgage was paid I would have 120-130 for a deposit so would need a mortgage/to find another 80-90k
Mortgage Total: £51,549 / £75,000
Mortgage Overpayments Pot £10790 -
Hmm, just found another one for 209, possibly get it for 200, so would need mortgage of 70/80k
Right, will think about things this week and possibly get an estate agent or two round in half-term to give me a valuation so I have a clearer idea of what I may get for mine
Mortgage Total: £51,549 / £75,000
Mortgage Overpayments Pot £10790 -
Forgot to add I could use my isa money for moving costs, but would need quite a bit of furniture as almost all of mine is built in here or was flat-packed and would be a nightmare to get out of here. I would need; fridge/freezer, cooker, beds, wardrobes. Hmm, thats actually not too bad tbh ... Oh, and a washing machine ... hmm, what started as a quick flick through rightmove is rapidly turning into a house moving planMortgage Total: £51,549 / £75,000
Mortgage Overpayments Pot £10790 -
Sounds like a plan coming together there BBAM, good luck with it. xMortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Go for it.....life's too short and all that!!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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It could quickly all come to a grinding halt when the mortgage company say no; hopefully they'll look at my mortgage history and see that I can afford to overpay regularly, and my ltv ratio is good, BUT, in the current economic climate they may very well also look at it and see my income is very low and say I haven't got a cat in hells chance of getting a bigger mortgageMortgage Total: £51,549 / £75,000
Mortgage Overpayments Pot £10790 -
for what its worth, Halifax were prepared to offer me a "silly" income multiple - even taking my remaining debt into account and the fact that it is a single wage.....I was very surprised.....!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Hmm, if I was to get 160 for mine, I would have approx 120 to use as a deposit. If I got somewhere for 200 I would need a mortgage of 80k. I got one for £60k on my income and tbh I know mum and dad would lend me the rest at a better rate of interest than they'd get in their isa currently
Also my mortgage is currently over 12 years, whereas I could extend it back to 25yrs to bring down the monthly payments and then all my overpayments could go to paying back mum and dads part first. Hmm, it all sounds so feasible, why oh why am I getting carried away like this???
Mortgage Total: £51,549 / £75,000
Mortgage Overpayments Pot £10790
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