My Proper DFW Diary

edited 30 November -1 at 1:00AM in Debt Free Diaries
155 replies 17.8K views
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  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
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    Solicitors distributed to hubby today (similar payout to brother in law in February for his mortgage) so there's our entire mortgage in the bank for a day or two until he's also paid etc then that's it, mortgage cleared. Big house searches etc done, they aim to exchange and complete before end of June as well.
    Solicitors being a bit not great with providing an up to date statement of the estate's accounts, bearing in mind this company was used by father in law for his company work (large accountants in London, he was partner before he passed in 2018), and his personal wills, this isn't looking great for them at all. Hubby understandably unimpressed.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
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    Big House contracts signed and returned to solicitors on Friday just gone (it's bank holiday Monday today).
    Hubby is paying off the mortgage tomorrow.
    Yesterday was a year since Mother-inLaw passed away.
    Additional tax related forms for the estate will be singed at the end of next week for further distributions.
    Mortgages for the two flats are ready to go when the final bit of solicitors stuff is sorted.
    It's now half term, my kids have 6-7 weeks left of nursery and preschool. From September DS will be in Reception at big school and DD will start nursery, with her application to school due in November.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    Of course hubby managed to pay off the mortgage the day before the June payment went out of the account on standing order.... So that's being transferred back to us by next week. This will come in alongside his pay for working the count of the GLA elections in May so we're not short on cash.
    The big London house is exchanged and is due to complete by 25th. 
    The mortgage solicitors apparently haven't had the mortgage paperwork from the bank in all this time so hubby's been sorting that today as well as working.

    My physical issues are flaring due to the sudden heat (after such a cool April and May), hayfever and my hormones. I feel pretty crap and consultant appointment is still pending for 29th.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • edited 26 June at 9:22PM
    Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
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    edited 26 June at 9:22PM
    Big London house actually exchanged on 22nd, then completed on the 25th, so yesterday. Hubby was up in his office at the end of the garden and whatsapped me to come up, his laptop open to the email confirming completion, he was in tears understandably. His childhood home. Both parents now gone. He messaged his brother and all he got in reply was 'cool'. He's been so uninvolved in this process (he's the older son as well) and just, no emotional clue. Hubby was there the day before checking last things and meter reading etc. BiL has done none of this, just doesn't get it.

    Then that evening we had another email from the other solicitors finally getting progress on the re-mortgaging of the two flats into hubby's name etc.
    This morning we went to look at new cars, no choices made, just getting a better idea of what would work with a near 5'10 almost 15 yr old and two under fives both in full carseats etc. Backseat is a bit of an issue.

    In the afternoon I gave in and donated my much loved buggy to the local charity shop along with some other items clogging up the house. I cried, hard. It was one of the first things I saved for and bought after clearing my debts, along with the travel cot, crib and big cot and drawers for the kid's room. The drawers are the only thing we have left out of all that now. All passed on to other users but easily a loss of almost £400 intial outlay, which is frustrating.

    I'm so tight on my own money right now, £140 every four weeks Child Benefit and £150p/m from hubby. I haven't actively worked professionally for almost five years, I've technically been unemployed for four years now. I've been applying for work here and there for months but nothing despite 2-3 phonecall interview type affairs.

    Next week my Dad starts the first of four intial rounds of chemo before surgery for an esophageal carcinoma, and five days later I turn 40. We have a family party on the Saturday for his sister turning 80 (they're doing me a little cake too which is nice) and the Sunday we're having friends come and go from ours through the afternoon etc as my actual birthday party, the day before my birthday.

    Considering original plans for my 40th were on a par with a small wedding, this is disappointing but to be fair, I'm just so stressed by everything right now I'd rather just be home anyway! Platters etc on order from Costco and making a bit of my own buffet food etc.

    Wondering if I'll have any vague diagnosis from consultant by then as well. I assume not as he's only working on symptoms described, back up letter from osteopath and my blood tests. I'm likely to be booked for some ultrasound scans and an MRI hopefully.

    The flare I mentioned in my previous post lasted almost three weeks, fully going from ovulation to period and not subsiding until my period finished. I still have my aches and pains but the ankle swelling, brain fog, fatigue and general malaise, along with mildly increased tempreature have thankfully reduced a lot.

    Over did it a bit clearing and tidying some things today but I'm so desperate to have the house look a bit better for the party! Seeing as we finished our extension etc near the end of October 2019 and we locked down in March 2020, quite a lot of my friends never actually managed to visit in that 4-5 month period so this is actually almost a house warming as well!!
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • edited 29 June at 7:34PM
    Lucy5781Lucy5781 Forumite
    682 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    edited 29 June at 7:34PM
    Planned to order the new car to spec and have it ready in about three months.
    Then got a message that they're halting production due to lack of computer chips (same reason PS5 is so hard to obtain) so Hubby had a look around the other local dealerships and managed to arrange an off the floor/forecourt model at a lower price to be picked up in three weeks....
    It's being done on finance as the monthly cost is less than the old mortgage payments so no affect on our outgoings and we're not digging into the capital from the estate.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
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