Getting out of my comfort zone

savingholmes

Do you already have a mortgage? Will it not continue

gilligansyle

savingholmes wrote: »

Do you already have a mortgage? Will it not continue

Unfortunately my current mortgage cannot be 'ported?' if thats the right word, so would have to look around. Not an issue for a year or two, but he is planning on moving out soon - although his 'soon' and mine don't coincide .

Have had a hectic few days, so about to chill for a few hours.

savingholmes

Is the mortgage just in your name or both your names? Are you planning on downsizing when he moves out

gilligansyle

Hi SH, the mortgage is only in my name, as he was under 18 at the time. Once he moves out I was planning on moving somewhere smaller once the work on this is done.

Just something else to think about.

Work is really busy, at the moment I'm putting in around 9 hour days. It's all good experience and am enjoying being busy.
Get paid tomorrow, and PPI company have agreed to sort out the gap in mortgage payments so that's another load off my mind.
Will post budget stuff tomorrow.

savingholmes

Glad the ppi is paying up that helps a lot I imagine.

We got our last mortgage from our own bank and that has proved a good decision - I wasn't sure we would get a mortgage as I earn more, had gaps in employment and was only in a temp job but I did. They have now offered us a really low rate too

gilligansyle

Have been leaving early to get to work lately, and then end up staying late because other people do school run first and then stay, so today I'm not leaving the house until half eight so i get in when everybody else does.

Have been paid, so :-
Petrol - around £45
Gas and Electric - £20 - I won't use this much but building a bit of credit up ready for winter.
Food £80
Council Tax £25
Allowance towards holiday pay £25
£300 to bill paying account for DD's - will keep Angelic happy and PAD something later today!


That all adds up to around £500 which in theory leaves £100 spare this week, which is really good. But I put in extra hours last week so don't want to bank on the extra.

gilligansyle

Went and drew the cash out and got really confused...then realised I had £30 left over from last week!

So all those months of minimal spending are paying off.

Out tomorrow night with sister, BIL, brother and his OH to celebrate a few things, and sister thinks brother wants to pay for us as a treat. Will need to check with him as there is no reason why he should treat me, and he's only just gone back to work after being made redundant.

savingholmes

Well done on the £30 from last week

Well done on the extra hours

gilligansyle

DS brought fish and chips in last night so that was a free tea so good for the budget but not so good for the diet. Fact is he'll end up borrowing from me next week some time, but I always get it back.

Tried to get back into doing scratch cards, but most bingo sites need you to have the latest version of flash, which will only work with the latest version of firefox. That causes me problems so will have to see if can use a different computer.

Off to do shopping.

macgirl

I stopped doing the scratches a while ago, I'd rather sell something as it's too much faff for me.

Great news on the leftover cash :T Out of little acorns and all that... Hopefully your commute will be a breeze now the kids are on holidays. It's my favourite time to travel to work. The M62 is like a graveyard! :j

Have a good weekend x