Quarter of the way there and full speed ahead

tattycath

Buffythedebtslayer wrote: »

I'd like seven grand too! (who wouldn't)

I feel a challenge coming on!!

Will have a think...........

Ooh! Now there's a plan Buffy! I like it. ... Goes off to have a :think:

elantan

tattycath wrote: »

If you come up with some great ideas on how to raise 7k please share them as we have had an 'eventful' weekend and need approximately that amount to do some urgent major repairs on the house :eek:

oh no tatty what has happened ?

tattycath

elantan wrote: »

oh no tatty what has happened ?

The guttering has started to collapse and whoever stopped using the water tank (prior to us buying the house) didn't think to empty it and it was never checked-we just thought it would have been done- now the tank has leaked in the loft and the wood underneath is soaked. So we need new guttering and roof repairs and plumber coming out tomorrow to sort tank out- and hopefully remove it-so our mortgage plans will need to be put on hold until everything Is sorted out.
I phoned mortgage lenders to see if we can borrow back over payments and they have said we can have a payment break for a few months as opposed to borrowing it back. So it's less than ideal but we can't put off the repairs. :eek:

tattycath

So the new plan is to take a payment break (and hopefully find a way to raise the money we need for the repairs) and then treat it like a cheap loan and pay the overpayments back ASAP.

elantan

Oh tatty that sounds like hell for you ... Could you access a 0% card ?

tattycath

elantan wrote: »

Oh tatty that sounds like hell for you ... Could you access a 0% card ?

To be honest, it' s not an option we have considered up to press- we don't have any credit cards.

elantan

Virgin and Barclay card are chucking money at people ... Between the two I was offered £12k 0% with a transfer fee

I spose I could use it for son .. But I don't want to get back into debt again

Buffythedebtslayer

So we need a way to actually MAKE some money not just borrow it all and then eat orange wrapper food till we pay it back.

Ok. I shall put thinking cap on.

over a year it works out at
£583 a month to make or pay back.

yikes.

ok.......how much for our kidneys?

No seriously I will think on it some more.

xxx

gallygirl

El have you thought about saying 'no' to son? You have enough concerns of your own without adding to them. Can he not get a graduate loan to fund his studies? That's what my DD had to do. I know you want to help your son but you'd be doing that by giving him a roof over his head. The bank of El is seriously credit-crunched already - I'm guessing he doesn't know your problems (money and work wise) other he wouldn't be asking - maybe time for a long conversation as I'm sure he wouldn't want to add to your pressures?

Sorry if you think I'm speaking out of turn .

Tilly_MFW_in_6_YRS

Morning El, spooky that GG posted and I'm along with the same message. It's blinking hard as a parent, but if you provide a roof over his head to help reduce his outgoings, then I would encourage him to eb@y, car boot, survey etc plus apply for a study loan so that he achieves this himself.

Whilst I don't doubt he would pay it back, he will value his achievement far more if he funds it himself. That's a gift that you can give him.

GG recommended the Millionaire next door book, have a look as it covers off supporting kids financially.

Hopefully you will know that I'm supporting you with this message, not wanting to cause you angst/upset

Best wishes Tilly x