Got to sort it this time

BMG

I have now realised that I have got really get my head down and sort out my money issues. Obviously there has been major changes recently and I am still getting my head around what has happened.


I will do a new SOA in the near future and then look at where I go from there.


BMG

Tink_04

Great that your posting & focused - good luck x

glasgowsaver2011

Good luck - welcome back....

Get the big things sorted first

Sell the house, pay off the debt, work out how much is left to start a new

thecassman86

Welcome, it's great to see you back!

Fantastic to see that you're wanting this sorted now. Please take all comments on board.

Best of luck!

BMG

The estate agent is coming on Friday to value the house and put it on the market.


Still waiting for everything to be sorted re: the money in the joint account.


Thank you for your kind words. I will take notice now that I do not have to try and work around anyone else.

TooClumsy

Good on you BMG. I hope with all the help and support you will receive, everything will get on the right track.

Take care,

TooClumsy

glasgowsaver2011

The estate agents value will be optimistic I would imagine - before you sell you will need a home report done and made available to any prospective buyers (this is the case in scotland) and the home report value is the true value of your property - essentially a bank will only lend to the value of the home report.

Unless you are in London or somewhere nice, buyers will attempt to bid under the home report value.

I would budget for about 4 k to sell.... and that is without buying a new place.

400 to market your property
400 for a home report
1000 for legal fees
1% of the sale price as the estate agent comission (so say2k)

good luck

asparagus1968

good to see you BMG.

new start for you, good things to come for you I hope. keep posting, keep positive, good luck

asparagus1968

good luck with the estate agent tomorrow, try and haggle for a smaller fee too!!

heartbreak_star

Good luck and take care of yourself - and don't let the estate agents take you for a ride

HBS x

BMG

Thanks for your support guys.


I am slowly working my way through my SOA. I just have a couple of questions. On my credit card statements there are different rates for certain amounts. For example, one of them has 1.667%, 0% and another one (haven't got statement close to hand) . How do I list these on my SOA? I have 3 cards in total. Also I only know the monthly rates for them not the APR. How do I find that out? I don't really want to speak to the cc companies incase they ask about my repayments for the cards.