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Need to get myself together: The beginning
Comments
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Morning.
Todays plan is to race to solicitors on my lunch hour - hand in ID, proof of address and the form they asked me to fill in. This week I will also get news (I hope) from underwriting team from HSBC, I hope this will not take long. I have the mortgage advisor from HSBC email and will email her tomorrow evening because its me and I worry lol.
I also got a phone call from the owners daughter who invited to come back to house tonight and they will show me how everything works at the house and so I can have another look
! Will I bring flowers or something as a nice gesture? I do not know how this all works lol!
payday is 4 weeks on Thursday
! Got no plans really tbh going to stay in mostly and not spend esp more on house.
Wednesday an estate agent is coming to my flat. My mum and dad are going to sell it now as I will not be renting from them. I think they are wanting to buy a house down Lancaster near my aunt as a holiday home and only like 20 minutes away from Blackpool as well.
Hope all is ok xxxDebt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
...got a phone call from the owners daughter who invited to come back to house tonight and they will show me how everything works at the house and so I can have another look! Will I bring flowers or something as a nice gesture? I do not know how this all works lol!
That is an excellent idea, afterall, it's nice to be nice and you can ask about what is being left for you as well
BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Oh this is so exciting!!
Yeah take a wee bunch of flowers in, that will be lovely.
Dxxx0 -
I'm so excited for you Monz
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Thats a great amount to be paying mins
Ours took a weecwhilecat the underwriters due to my hubby have a rubbish credit score so we had a red flag right from the start think ours took four weeks tbh but you're debt free you've got your deposit and your sensible with money so you'll be fine
Hardest part for me was handing over the deposit money :rotfl:
£51 in ikea I mind getting my keys then spending £1500 :eek: but thsts was thtee bedrooms worth of drawers and wardrobes etc xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050 -
4 weeks omg I hope I hear this week lol!!
ooo once I get the keys there will be serious damage :P xxDebt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
4 weeks omg I hope I hear this week lol!!
ooo once I get the keys there will be serious damage :P xx
I kid you not someone was due to be killed with all the waiting about it was very frustrating but the mortgage advisor sounds very hopeful xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050 -
I keep staring at my phone, she said I would get a text from them when underwriters decide. If I do not hear by tomorrow 5pm I will send the mortgage adviser an email, she gave me hers saying to email any time lol xxDebt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
So exciting!!! I loved finally owning my own home
xx Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
kindofagilr wrote: »So exciting!!! I loved finally owning my own home xx
It's a great feeling isn't it xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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