would love to be mortgage free!

Peonie

Wow I don't blame you. I would be fuming too.

coldcazzie

DawnW wrote: »

Oh dear - I hope you get it sorted out. Did they not realise that it was your tree?

That's what they claim. Apparently they rang the council and said that the land with the trees on wasn't owned by anyone and the council had told them it was fine to cut it down if it were unowned. Now, there are only 2 properties it could belong to - ours and theirs. If they genuinely weren't sure who owned it, it wouldn't have been hard to pop round and ask if we knew. I can't really see how they can seriously claim ignorance. To me, their actions say that they knew perfectly well it was our tree and didn't care, cut it down anyway, thinking they could plead ignorance later.

I'm making a call to a local surveyor who deals with boundary disputes and can give me half an hour of free legal advice in the morning. I'm really angry and upset, and I'm not going to let it go. If I can persue it, I will. At the very least it counts as trespass onto our land, and it's criminal damage to the tree.

coldcazzie

So, another £300 has gone into our regular saver, making our kitchen fund total £1975 :T:T

Tomorrow is payday, and then another round of bills to be paid. Manwife has been informed his bonus will be being paid tomorrow with his wage so an extra £650 this month :j:j and he will be getting a wage rise in August of 4%. This means that we won't be getting a FD mortgage so will have to have a look around at other places to see what rates we can get.

This weekend we will be starting to put the new bathroom bits in which have been sat in our bedroom while we did Lumpy's bedroom. Now that his bedroom is done we need to crack on with the next jobs - it took us 6 weeks to sort his bedroom out :eek:

Peonie

coldcazzie wrote: »

I'm making a call to a local surveyor who deals with boundary disputes and can give me half an hour of free legal advice in the morning. I'm really angry and upset, and I'm not going to let it go. If I can persue it, I will. At the very least it counts as trespass onto our land, and it's criminal damage to the tree.

Obviously I don't know how old or big the tree was but I think you can reasonably expect your neighbours to buy you a new tree and of a comparable size if possible.

Did they say why they chopped it down?

coldcazzie

So, I've been looking at car hire... and had a thought. I checked to see if I could use my Tesco clubcard vouchers towards and car hire companies that are local to us, and I can. I've £41.50 saved up and can exchange for 3x the value, so that would give us £124.50 towards car hire which seriously reduces the amount we would have to pay. I think this makes sense?

Have been absent as we've been rather busy. The bathroom is now actually in our bathroom!! Our old bathroom is currently outside. We also bought a second hand dishwasher, and, with the purchase of a small pipe piece plumbed it in where the washing machine used to be. The washer has now moved into a bit of dead space, which we made use of by attacking the kitchen with a jigsaw (and there's a rather fetching picture of me wearing a pair of kids toy goggles so I didn't get dust in my eyes while cutting it! :rotfl:). I'm really happy with how everything is at the moment. Bathroom could do with being finished but if we did finish it we would then have no emergency savings for the next 6 months, and neither myself or manwife are very comfortable with that idea.

The next few weeks are going to continue to be busy. Next week I am away for my OU residential. Then the week afterwards is full of appointments and birthdays and a wedding, then the week after that we are hopefully going to have some pictures done of the kids.

Am looking forward to our holiday, except I can't see it being very relaxing as we've loads of things planned - going to see Grandpa, a local castle, caves, birds of prey, pottery workshop, the beach.... am going to need a holiday to recover from the holiday I think!! :rotfl:

Hope everyone is well x

coldcazzie

Updated my signature this morning - we now have £2275 saved up toward kitchen improvements

OU residential was fabulous! Really enjoyed it, meeting new people and doing the experiment. Just got to write it up now. Will be doing some more of that next week.

This past week has been lovely - and the manwife was off work all week as well. Had lunch in town with some friends on Monday, Wednesday was Squish-pot's birthday so we went swimming and to MaccyD's (not great, but the kids enjoyed it), and then yesterday we went to a wedding. Neither of us was drinking so spent very little on drinks, and just £15 on petrol.

Got a quote from a local fitted bedroom place, nearly £1200 for 2 wardrobes and some drawers in the girls' bedroom :eek: :eek: not sure how I feel about that tbh... will do some research on standalone wardrobes I think!

*Jellie*

We're thinking about some fitted wardrobes. We were thinking of getting a quote from a local carpenter. Or I could make them and laugh when they fall down!

coldcazzie

Hi all. Been a while since I've posted. Been on the site but not here. Tbh I'm feeling rather down. I've lost control and I'm not sure how I can get it back.

We've had a really hard couple of months, financially speaking. I'm looking forward and dreading next month already. I need to do a confession I think. Plus another SOA.

Mortgage_Reduction_Novice

coldcazzie wrote: »

Hi all. Been a while since I've posted. Been on the site but not here. Tbh I'm feeling rather down. I've lost control and I'm not sure how I can get it back.

We've had a really hard couple of months, financially speaking. I'm looking forward and dreading next month already. I need to do a confession I think. Plus another SOA.

Oh no.... tell all. Get it off your chest and if you need advice and calming cyber comments, we're all here for ya.

Not to infuriate you but bring it up but what happened about the tree... I was just getting into that saga when your posts stopped! A friend had an established hedge cut down by their neighbour and it went to small claims court. Long and short of it was neighbour had to buy and plant equivalent sized plants to replace.

megela

coldcazzie wrote: »

Hi all. Been a while since I've posted. Been on the site but not here. Tbh I'm feeling rather down. I've lost control and I'm not sure how I can get it back.

We've had a really hard couple of months, financially speaking. I'm looking forward and dreading next month already. I need to do a confession I think. Plus another SOA.

Hi Coldcazzie,

Excuse me for dropping in unannounced but just wanted to offer my encouragement. When you feel like this you need to look at the bigger picture.

You do still need to live your life with all the expense that entails, it's great to reduce your mortgage and cut the term but at some point it WILL be gone (even if, and hopefully not, it's at the end of the term).

I would put MFW plans on hold until you have sorted out your other expenses and problems, and start again with a fresh start.

I find MFW plans have to be fluid and flexible.

Good luck,

Megela.