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ISOM's life begins at 40 diary to freedom!
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Well done on getting a lodger so quickly ISOM - I might be having one move in with me too to raise a bit of extra cash! Did you get your lodger to sign any sort of agreement and if so do you know where i can get hold of one for free (the only ones i can see on the internet you need to pay for and im literally watching every penny at the moment!) Also, have are you arranging things living wise? Obviously they will have their own room and access to kitchen, bathroom etc but what ablt simple things like toilet roll, tea, coffee? Are you providing food and letting them use your washing machine? What about washing powder? Sorry for all the questions!!!!MFW 2011 challenge - Aim: Overpay £414.26 a month/£5,000 a year. Overpayment Total to date: £414.26:jMortgage start 28/9/07 £46,217.00 :TMortgage balance as of 25/05/11 £24,490.58 :T
Interest saved as of 25/05/11: £2,849.84 Projected term reduction as of 25/05/11: 9 years 11 months0 -
Bargain hunter feel free to pm me questions - am anxious about posting the full detail on here! Suffice to say there is a contract but it depends on the type of tennancy - if they are just having a room and sharing bathroom etc then you need a [FONT="]House share AGREEMENT[/FONT]
[FONT="](For a Room in a Furnished House – Resident Owner)
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[FONT="][/FONT]Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
sorry typing went loopy...if you cant find one let me know and I'll anon the one I have. You can then use the rent a room scheme so under 4700 (I think is the amount but check on ugov) then you dont pay tax...I did mine with all bills and you also need to take into account that youre council tax will go up as you'll loose your single persons rebate...also need to check re insurance and mortgage provide are happy/will cover - endsleigh do a specialist one...feel free to ask ? by pm...
Have had a first relatively relaxed and ok day today since all this began...saw the cats in their new home and they are happy and I was happy and didnt get upset...then met a friend and we both had a haircut - fun with a one year old!! Mine was my bday pressie and was really the one and only thing I want at the moment - was getting long and scraggly but now lovely shaped and I no longer feel like a troll! Then babysitting and now just going to chill and do some knitting before bed! Lodgers room has (with her agreement) been sorted as she cant cope with it...shes away until Thurs so I have peace and can pee with the door open!! hurrah...
LT am able to slow down a bit and its amazing how a time like this makes you realise whats important...and what isnt. Been a steep, painful learning curve in many ways but I remain blessed by the love and support I've received!Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
Know its early days but hope its going ok with lodger.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.0 -
Will get there - youre pm box is full beanie!Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0
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Cleared nowI 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.0 -
Evenng all...another nsd here. Me friends for coffe but they paid and sorted the knitting group database...then came home and mastered a granny square (crochet) and watched a weepy film...then friend came round and we played backgammon and now off to bed! Lodger back tomorrow but am hoping she can relax in her room as have sorted books (with her permission)...hoping for a good nights sleep as wasnt able to last night...Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0
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hi ISOM
not actually been anywhere just had a full full house,,
us four
bro inlaw
2 new lodgers
and my eldest son (kicked out by his mum,for a week to give herself a breather!!:o)
lots of sickness,,kids inlaw and oh...me a little,,,and did a bit of thinking:eek:
cutting back on the house work,,,,it will still be their tomorrow if not done today:o
and having a little me time when baby goes to nap or even taking a nap myself,,,babies had every bug and illness in the last six months,,,,and i think i was just knackered:o
ive cut back on here a lot,,,30 mins(ish!!) is all im allowing myself,,,,and the odd evening call in, if these nowt on the box:rolleyes:
s x xWAS DEBT FREE & STILL BAAARRRRRKING :cool:
hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o
BAAAARRRRRRRRRRKING er insanely so0 -
sensible shaun...cant do it all but hope youre getting help with all those things to do?
Have a friends baby for a couple of hours, then snooze then babysitting...all money! House at last tidy and now starting to think of Christmas as will have to e innovative and make with what I have so scarfs in abundence me thinks!! Feeling v groggy having taken tabs last night...more nightmares so def back to herbal nitol...may be a slob and go back to bed and watch tv...the advantage of living in one room!!!Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
Had a nice day and very excited as having a day out next week. Friend has a vw camper van...bright yellow - how cool is that!! and is goin to take me to the beach for bacon and marmalade sandwiches. One of my best things. I cannot tell you the absolute joy in discovering the simple pleasures in life again. Unfortunately, these are smattered with some rather nasty feelings of what can only be described as utter dread at the moment so will chat through this with the appropriate/relevant people...never experienced that before and its really horrible...Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0
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