Abba1772's Debt Free Diary

abba1772

Right should have done this yesterday so this is how my debt is sitting from 29th February

Argos card £224
Couch £1033.50 (next payment takes me under £1k mark) :T
Halifax card £3983.39

Total £5240.89

I've reduced our debt by £821.59 in February :T this includes eBay returns so I'm chuffed with that unfortunately I didn't hit my saving target of getting mortgage account to £6000 only managed to save £210 into the mortgage account but it's still a saving and would have been more if college had paid me correctly but hey ho xx

So my targets for March is to clear the Argos card :A and get my debts under £5k as well as halving hubby's credit card which I don't include in my total as that's his :rotfl: so here's hoping we can do this xx

My mindee hasn't turned up so we aren't going to toddlers as my eldest son is off with a viral so we are having a day in but need to nip to the local shops later for juice for me and black bin liners and that's it so a LSD we shall have xx

abba1772

clearmydebts wrote: »

Good idea of the hubby. The more you save towards fees the more money you have to furnish it!

The decor is very very dated the carpets are ugly :rotfl: but they are mega fluffy so I've told hubby I want mega fluffy carpets which are in keeping with our own taste which will in no doubt cost a fortune but it'll be worth it..........I just want to know if we defo have a mortgage or not as I'm not sleeping well and I've been like this for a week now :mad:

Strictly_Serious

:)Fingers crossed for news soon about your mortgage! I clearly remember the pain of waiting to hear whether we'd got ours, it was TORTURE. Hope it comes soon:)

abba1772

Strictly_Serious wrote: »

:)Fingers crossed for news soon about your mortgage! I clearly remember the pain of waiting to hear whether we'd got ours, it was TORTURE. Hope it comes soon:)

How long did yours take to get a decision xx

moneyonmymindsam

WOW exciting news !! Sweetheart - so pleased for you fingers , toes , eyes, arms and everything crossed xx

abba1772

moneyonmymindsam wrote: »

WOW exciting news !! Sweetheart - so pleased for you fingers , toes , eyes, arms and everything crossed xx

Much appreciated it's the same up here everything is crossed xx

clearmydebts

Keeping everything crossed for you xxx

Strictly_Serious

Hi Abba, just had a quick look at my emails! It took about 4 weeks from offer being accepted on the house to mortgage offer being formalised. Hopefully yours will be quicker! We had loads of daft things to sort out and the mortgage broker had to keep asking for new bits of paperwork. First we couldn't sell our old house so had to get consent to let to rent it out, I'd just gone part to full time, my parents gave us money for the deposit (they lent it us really - that's what I'm paying back - sshhh don't tell ) and had to write a letter to say it was a gift.
Then it was about another 8 weeks for everything else before the house was ours. Hope that's helpful and hope yours is much easier!

abba1772

Strictly_Serious wrote: »

Hi Abba, just had a quick look at my emails! It took about 4 weeks from offer being accepted on the house to mortgage offer being formalised. Hopefully yours will be quicker! We had loads of daft things to sort out and the mortgage broker had to keep asking for new bits of paperwork. First we couldn't sell our old house so had to get consent to let to rent it out, I'd just gone part to full time, my parents gave us money for the deposit (they lent it us really - that's what I'm paying back - sshhh don't tell ) and had to write a letter to say it was a gift.
Then it was about another 8 weeks for everything else before the house was ours. Hope that's helpful and hope yours is much easier!

Thanks for that it's nice to get someone's view who has been through it xx

I'm not fussed about how quick we get the keys I just want it in black and white that we have the mortgage then I can relax as I'm not sleeping I am absolutely shattered tbh

If we are approved and we get the keys I need to inform the care inspectorate (they inspected childminders and nurseries etc) and they could take up to 12 weeks to inspect the new property :eek: and then we need to give the housing association 28 days notice so that's a potential four months paying a mortgage and rent potentially xx

Calling14

Good luck with the mortgage. You deserve to get you have scrimped so hard.
First few months are tough but worth it to have your own nest.

I love fluffy carpets all my bedrooms now have shag pile ones. Not sure if they would clean up with little ones. Got one big shaggy rug in my lounge, which surprisingly still looks as new after 6 years.

Fingers and toes crossed x