Abba1772's Debt Free Diary

beanielou

I am speechless. WEll done  xx

beanielou

Not up on mortgages these days.
What do you mean they base affordability at 6/7%  xx

abba1772

beanielou said:

Not up on mortgages these days.
What do you mean they base affordability at 6/7%  xx

when assessing your affordability they see how your budget will hold if your mortgage was to increase to 6/7% annual apr but we are already at 5.38% so it wouldnt make that much of a difference to us but it would be a huge difference if you were used to having a rate of 1.79%........does that make sense??

abba1772

Don’t know why I bother

was filling out the acceptance in principle form for the bank before our interview on Saturday and had to ask the hubby the dreaded question how much he has on his credit card.  £2k...............2 f ing grand since December !!!!!!

im seriously annoyed he’s put £800 on his card for his mums camper can without even talking to me about it how flipping well dare he. She better pay it back or I’m taking a sledgehammer to it.  It’s a van being converted into a camper van as they can’t afford a real camper van and hubby has done a fantastic job on it but I had no idea he was putting the repairs and parts on his credit card. I’m assuming the rest is on Xmas and spending during the sales.  So I guess I’ll end up having to use my savings and pay off my Xmas present.  Tempted to fling the iPad at him but I sold my old one.

anyway I’ve filled out the acceptance in principle form and we have been accepted so that’s a good first step.  I filled out their incoming and outgoing form too so it looks good so far so fingers crossed it all goes smoothly.  

Sick of bailing this man out.............was constantly bailing out my ex husband and worrying about money but then again when I was married to the eldest kids dad we were 40k in debt this is only £2k but it’s hitting a nerve right now 

Sun_Addict

Oh no. You worked so hard to clear it too. No wonder you’re angry. £2k can easily turn into £5k as we all know and £2k is still a fair amount. Sending you a virtual hug x

abba1772

Sun_Addict said:

Oh no. You worked so hard to clear it too. No wonder you’re angry. £2k can easily turn into £5k as we all know and £2k is still a fair amount. Sending you a virtual hug x

Oh I’ve told him I’m taking his credit card off him when he gets home he keeps texting and apologising not looking forward to him getting home and I’m sure he’ll be feeling the same way..............blooming men grrrrrrrrrrrr

LABMUM

So sorry. I am not surprised you are furious I would be too. £2k is a lot of money xx

jwil

That's such a shame, you've worked so hard.  I'd be furious too.

Congrats on the re-render fund and good luck for the mortgage too

hugglemonster

Oh my goodness, that's so frustrating Abba. Hope he came home with his tail between his legs!

H x

beanielou

abba1772 said:

beanielou said:

Not up on mortgages these days.
What do you mean they base affordability at 6/7%  xx

when assessing your affordability they see how your budget will hold if your mortgage was to increase to 6/7% annual apr but we are already at 5.38% so it wouldnt make that much of a difference to us but it would be a huge difference if you were used to having a rate of 1.79%........does that make sense??

Perfect sense.
How my DS ever got a blooming mortgage is a  MYSTERY then.