Debt free by 40 -- 19 Months and counting

lhead123

Aww the generosity of people on this site is brilliant

NoOneAround

Morning Steph,
just had a quick skim catch up of. Glad to hear that Oh is better and that you have some work lined up. I know how difficult it is being SE.

How utterly wonderful about the lap top, There are some amazing people about, and they are the quiet angels in the background, who usually don't want to be noticed. I read something the other day about an elderly man in a supermarket who didn't have enough cash to buy his few groceries, the cashier was asking him to choose what he wanted to put back. Someone nearby gave the cashier their debit card and paid. Brought tears to my eyes.

Hope your son has the most amazing birthday.
NOA
xx

StressedSteph

Hi all

Sorry I haven't posted for a few days, been super busy here getting stuff sorted for Ds's birthday. I bought him a GoPro action camera in the end for £100, and he has had some money from other friends and family so he is a happy boy.

Feel like I have been making cakes non stop this week. Spent Monday baking Birthday cakes for him to take to school Tuesday, then all day yesterday was spent me making his birthday cake. We decided to stay home and him have his favourite meal (Burgers & Chips ). It was not only the expense but also he wanted time at home to experiment with his camera so everyone was happy.

On a more on topic note, I have worked out the finances and should be on course to pay the mortgage in a week or so and then the cc debts.

I was about to remortgage with my existing mortgage provider this week but the rate is 4.29% fixed for two years. I thought this was ok until a friend reckons she is re-mortgaging at a rate of 2.something % :eek:.

I doubt we would be able to satisfy a new mortgage companies requirements but I think I might give it a try, and see what happens, worst they can say is NO I guess.

Seems to be lots more work coming in at the moment, next door to us is a derelict house that a property developer bought 5 years ago and has never touched it. Hubby was approached by him last week asking if he would be interested in working on a hourly rate renovating the house :T. We have submitted hubbys day rate fee's to him via email and am just waiting on a response now. It would easily be a 6 month job as a massive double garage needs building and two large extensions and its NEXT DOOR . would be amazing. Please send some positive vibes.

Not a whole lot left to report, hubby seems a lot happier atm, I think his bad moods are work stress and the lack of work that he has been having. He seems a lot better now he has quite a few lines of work coming together. I think the pressure of being the sole provider effects him way more than I thought it did. Think he just bottles it up more than I do.

Would be great to get a steady contract that would take us over the Christmas period, which is always a builders worst time of year.

Fingers crossed xxx

misstara

Sending lots and lots of positive vibes in your direction Steph. That sounds like a good job, fingers crossed hubby gets it

Also good luck with remortgaging at a lower rate.

abba1772

Fingers crossed for hubby renovating next door xx

kelpie35

Oh Steph I am here sending you positive vibes.

I do hope your hubby gets that great job next door. It would help you so much. You both deserve very good luck coming your way.

I will also say a wee prayer for you and your family this evening.

Take care.

hiddenshadow

Fingers crossed on the renovation job - that sounds ideal!

fern44

Hi Steph not sure but think you mentioned your mortgage is with Santander ? have you checked out their own mortgage calculator
there are some low rates but you do have to pay fees also you have said they have been quite flexible about your payment date
and possibly you could over pay if you one day were able .one day ! I would stick with your current provider for now a two year fix would be good if it saves you money and gives you more time to get the finances straight
keep going I know you don't think so but you are doing well
2 years ago you had over £20,000 of debt if you had not paid it of just think where you would have been by now x

tootallulah

ooooooh Steph I am sending SUPERVIBES!

clearmydebts

Sending loads of positive vibes!!!!