Abba1772's Debt Free Diary

abba1772

moneyonmymindsam wrote: »

Smashing that Halifax Lol

Fingers and toes crossed you can get a good deal.

Much Love to you all
Sam x

Should hear back from him today really hoping we can get a good deal if not then we will be paying off all this debt then overpaying the mortgage to get rid of it

I want to be mortgage free by the time I'm 50 so I have 15 years to get it done which would know 8 years off my mortgage xx

monz

Good luck today xx

abba1772

Financial adviser called........hes struggling tbh :(:(:(

hubby is on a downer (brilliant another weekend ruined by his negative attitude no doubt)

Im pretty pis&%d off right now but im not giving up

phoned my current mortgage provider and they can swap my mortgage over to a lower rate mortgage not the best an out mortgage repayments would drop to £399 from £431 so thats not too bad but if I over pay the mortgage by a extra £51 i pay the mortgage off in 18 years as opposed to 23 years

so I'm trying to be positive and its actually making me more determined to get rid of this debt once and for all as well as the mortgage

just bummed I've busted my !!! for two years for really nothing but i keep telling myself I've got my own home its not rented its ours so we are very lucky in that respect.

will pop on later as FA is still trying for us told him i could have the halifax card paid off by the 27th April :eek::eek::eek::eek: will be really pushing it :rotfl:

nonnie44

Fingers crossed the FA comes up with something but if he doesn!!!8217;t then a saving of £32 a month is still something, you would only have to find an extra £19 per month to hit that £51 overpaying target

You do so well but it!!!8217;s totally understandable that your annoyed, thank goodness you have a fab holiday ahead to keep you smiling! xx

Oops sorry for the random numbers and apostrophes, I know there is a fix for that will need to have a look for it xx

Rachel24

That is so unfair Abby! Have you looked around at mortgage companies to see what they'd offer you? I'm with nationwide and their rates are on there website xx

beanielou

Dont let it get you down.
You are doing so well in beating the debt.
Even the offer from your current lender is better than nothing.

abba1772

Rachel24 wrote: »

That is so unfair Abby! Have you looked around at mortgage companies to see what they'd offer you? I'm with nationwide and their rates are on there website xx

Yeah I've checked it's all down to this affordability rubbish .....it's madness but hey ho I have a mortgage and that's something to be thankful for xx

beanielou

abba1772 wrote: »

Yeah I've checked it's all down to this affordability rubbish .....it's madness but hey ho I have a mortgage and that's something to be thankful for xx

Yes this affordabilty thing is getting out of hand I think.
I wouldent get a mortgage now based on affordability.

abba1772

I don't understand how we got a mortgage tbh lol but I'm thankful we have one xx

I did have a moment of f&@k it I want to spend money but I reigned it in lol xx

moneyonmymindsam

Ah those fook it moments do come to bite us - You are an inspiration and agree so great to won your own home. You should be very proud of all you have done over the last 2 years to make that happen xx