£192,737 mortgage!

dktreesea

Maybe instead of lotto invest in a few premium bonds instead? At least you get to keep your £6 AND they go into a monthly draw.

Also, maybe the lotto counts as this, but in that wee list you posted I don't see a lot for you personally. Childcare is for someone else, so is the birthday present for a friend. Milk, bread and wine are just the stuff of life - that wasn't what I had in mind for a £20 a week splurge on yourself.
I was thinking more along the lines of:
-getting your photos done, complete with a makeover (guaranteed to take your mind off the mortgage for a while :-)
- getting your nails done,
- a new outfit
- going out for dinner, or even coffee, with friends
- booking some sessions with a personal trainer
- learning how to do something new that you always wanted to do; e.g. flying lessons, wood carving, skiing ( I learnt to ski as an adult, completely addictive. The closest thing to flying on the ground, imho).

A mortgage is just the price of shelter. Please don't let it compete too much with you for your money and your life. The trick is making sure you still live your life and enjoy it, and consigning the mortgage payment to where it belongs, as a once a month secondary encounter with your bank account. While you enjoy your house - the other side of that transaction - every day.

happydays_70

You are absolutely right..I am going shopping today with a friend so I am going to follow your advice. I have very little me time...wouldn't change that cos it's time spent with my children. They don't see their dad regularly but his loss. Youngest going today though.
No news on the house yet.

happydays_70

Youngest not going to her dad's today..he can't have her.
Eldest wants to make flapjacks with me...aaw.
Phoned my friend and cancelled going out today. Can't motivate myself..I have lots to do but cba.

happydays_70

Second viewer since I put the house on the market in November.
Getting disheartened.

happydays_70

Forgot to add that the viewer showed little interest and gave nothing away as to whether she would even be shortlisted my property.

moneysavinggirl40

happydays_70 wrote: »

Yes, the above amount is correct.
I am working full time and have two children 11 and 8.
At the minute I am on halifax variable of 3.99% for 27 years..which takes me to 68 yrs old...omg...sounds horrendous when I write it.
I have managed this situation for nearly 5 yrs. I had my house on the market for 2yrs but no interest. I have posted on another forum about should I try and move to a smaller, cheaper property or stick it out?
Having read comments on mfw I can do it but will it be worth it in the long run?
I am debating to go on halifax's fixed for two yrs at 3.14% and reduce the term to 24 yrs. Chipping away slowly.
If I put it up for sale again I have to stay variable at 3.99%
I don't really know what to do

just read your post. i am new to forums, i was thinking is it worth u revaluing your house so that if it worth more than you paid your mortgage company may drop you to a lower LTV allowing you to have a lower rate product may help with overpayments as the minimum amount you have to pay back to lender will be less:T, hence repaying mortgage sooner.:)

happydays_70

No..got the only rate available to me.
No viewers..getting me down.

happydays_70

Well, not been on for a while. Had a few viewers but they seem to be browsing. Thinking of taking it off the market because I can't reduce the price. Ringing my mortgage provider tomorrow to see if I can have a deal.
I have tried hard to economise but something always crops up.
I aim to start making inroads into my mortgage to reduce the term.

happydays_70

Had an offer on my house but too low. This encouraged me to ring the bank about a fixed deal.
Was delighted to hear that I was eligible for a 2yr fixed at 2·84%.
I reduced the term from 26 years and 10 months to 22 years!!!
I feel really positive. My monthly payments have increased by about £10 per month.
Having read loads of threads I am confident that I can further reduce the term.

greent

happydays_70 wrote: »

Had an offer on my house but too low. This encouraged me to ring the bank about a fixed deal.
Was delighted to hear that I was eligible for a 2yr fixed at 2·84%.
I reduced the term from 26 years and 10 months to 22 years!!!
I feel really positive. My monthly payments have increased by about £10 per month.
Having read loads of threads I am confident that I can further reduce the term.

Great news! That's a great deal :j Keep up the positive tones - you can do this! :T xx