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The single track road - life on a different path

MeandO
Posts: 3,246 Forumite

I'm both excited and terrified about starting this new diary.
Within the next week or two, my life will be changing drastically and I will be embarking on a road I never thought I would be traveling upon.
I'm not new to these forums, but I have changed my username as my previous diaries before the (very short) last one, detailed life as I thought it would be and, to be honest, I can't bare to read those posts any longer, it's too upsetting.
Around 14 months ago, my husband and I decided life together was not working and we subsequently decided to separate. It hasn't been easy as we still care very much for each other and always will, I won't go into detail, but the relationship was more like housemates than spouses. We have a much-adored darling son who is 4, and who remains our absolute priority, so we have been basing all our decisions around doing this the best way for him. We have still been sharing our house this whole time as several house sales/purchases fell through and neither of us could afford to rent or wanted to 'move the other out' for the sake of our son.
Fast forward to today, and I have now bought the ex out of our family home due to being unable to sell it, and he is buying a house just around the corner so that we can raise our son together, apart.
I'm sure it sounds crazy to many, but for us, we are better parents and people as 'best friends' rather than as a couple. I would rather our son grows up with two happy homes than one full of resentment and unhappiness which was starting to surface.
So, that's the back story.
Current position is that my re-mortgage went through 3 days ago, included in which were funds to pay off two loans we had. When the ex's house purchase is completed in a week or two, there will also be funds leftover with which he will be paying a large chunk off of the last remaining credit card we have. He has taken A LOT less equity out of the house than he was entitled to to ensure it was affordable to me, so I have agreed to take on the remainder of the credit card debt, which will stand at around £4-5K (tbc after completion).
So, this is me, going it alone with my darling DS (half the week :undecided), in a place far from 'home' with no family (they all live 300 miles away) and very few good friends, locally. With the added worries of a seriously ill Mum, a threatened redundancy, anxiety issues and the weight of a large mortgage on my single shoulders - only just being able to cover all the bills monthly with very little left over. All of this may be the reason why I am sat here today with a blood pressure monitor on, as requested by the docs, monitoring the dire state of my blood pressure which, I am pretty sure, is down to the stress of the past year +.
I'm terrified...
But I'm trying so very hard to be brave and to be the (35 year old
) grown up I need to be, when all I want to do is run and hide under my duvet until life is better.
Here goes...
Within the next week or two, my life will be changing drastically and I will be embarking on a road I never thought I would be traveling upon.
I'm not new to these forums, but I have changed my username as my previous diaries before the (very short) last one, detailed life as I thought it would be and, to be honest, I can't bare to read those posts any longer, it's too upsetting.
Around 14 months ago, my husband and I decided life together was not working and we subsequently decided to separate. It hasn't been easy as we still care very much for each other and always will, I won't go into detail, but the relationship was more like housemates than spouses. We have a much-adored darling son who is 4, and who remains our absolute priority, so we have been basing all our decisions around doing this the best way for him. We have still been sharing our house this whole time as several house sales/purchases fell through and neither of us could afford to rent or wanted to 'move the other out' for the sake of our son.
Fast forward to today, and I have now bought the ex out of our family home due to being unable to sell it, and he is buying a house just around the corner so that we can raise our son together, apart.
I'm sure it sounds crazy to many, but for us, we are better parents and people as 'best friends' rather than as a couple. I would rather our son grows up with two happy homes than one full of resentment and unhappiness which was starting to surface.
So, that's the back story.
Current position is that my re-mortgage went through 3 days ago, included in which were funds to pay off two loans we had. When the ex's house purchase is completed in a week or two, there will also be funds leftover with which he will be paying a large chunk off of the last remaining credit card we have. He has taken A LOT less equity out of the house than he was entitled to to ensure it was affordable to me, so I have agreed to take on the remainder of the credit card debt, which will stand at around £4-5K (tbc after completion).
So, this is me, going it alone with my darling DS (half the week :undecided), in a place far from 'home' with no family (they all live 300 miles away) and very few good friends, locally. With the added worries of a seriously ill Mum, a threatened redundancy, anxiety issues and the weight of a large mortgage on my single shoulders - only just being able to cover all the bills monthly with very little left over. All of this may be the reason why I am sat here today with a blood pressure monitor on, as requested by the docs, monitoring the dire state of my blood pressure which, I am pretty sure, is down to the stress of the past year +.
I'm terrified...

But I'm trying so very hard to be brave and to be the (35 year old

Here goes...
Mortgage @ 03/2019: £125,000, Now: £50,378.61
Mortgage OP’s: £22,109.28
SHTF pot: 209.42/1000
Mortgage OP’s: £22,109.28
SHTF pot: 209.42/1000
0
Comments
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hello!
All the very best on your new journey. You listed the negatives but there are lots of positives too.
Cheers HMxJune 23.25/250 Monthly money making target0 -
Good luck, it's a massive life change but you'll get there!0
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I'm here with ya, keep posting, it really helps!- on a mission to be debt-free by the end of 2017 - :cool:
[STRIKE]37500 [/STRIKE] 346500 -
Thank you all for your lovely comments, so lovely to have some cheerleaders along the way, makes me feel less crazy about writing to 'myself'!:j
HappyMac - You're right, I've been struggling to find many positives this past year, but I really do need to make the effort to focus on these from now on. Unfortunately I'm a glass half empty kind of person, so I need to try and change my way of thinking.
So, let's start with the positives today:
1. Amazing cuddles from my DS this morning and a chorus of 'I like to move it, move it' from him all morning, made me laugh all the way to work.
2. My darling Mum is out of hopsital after having a PE, and hopefully on the mend.
2. The paint I wanted for my lounge was half price at B&Q last night, so picked up 4 tins which should do the lounge, downstairs loo, ensuite and possibly main bathroom too. All for the bargain price of £21 as I had a £15 gift card from Christmas(now no excuse not to get painting!).
3. Having a visit from a family member (well an ex-in-law;)) tonight, who I get on really well with, so it will be lovely to see her, catch up and feel a little bit supported.
4. I am free of that d&mn blood pressure monitor as of this morning AND I actually got some sleep despite having it on!
I'm going to banish the word 'negatives', so I'll call them 'grey' things today:
1. My car is in for its MOT today, and I know it needs two new tyres and oil & filter change, so lots of pennies will be spent there, I should have the money in the bank to cover it though, hopefully, if nothing else needs doing.
Woohoo - there's only 1 I can think of!
Happy Friday all
xxMortgage @ 03/2019: £125,000, Now: £50,378.61
Mortgage OP’s: £22,109.28
SHTF pot: 209.42/10000 -
:mad: i wrote a big reply and then my internet decided to cut out and i lost the lot :mad:
but anyway, was just saying, what a great list of positives and how awesome it is that you are able to compile them and try not to think about the grey stuffthe weird thing is, no matter how dark the times are, there are always positives to be found and its sometimes the smallest of things that can lift your spirits.
keep posting and posting the positives! it will help
and also I hope the MOT doesn't come back with any nasty surprises,..Levi...x
- on a mission to be debt-free by the end of 2017 - :cool:
[STRIKE]37500 [/STRIKE] 346500 -
Thanks Levi, it's already helping to write things down so will definitely keep posting
Well, the two new tyres I needed came as no shock, but I'm glad I was sitting down when I got the final bill. I'm now £269 poorer, but at least my tyres are road legal.Now to pay the tax tonight @ £130. :eek:
Small victories though - stupid obnoxious garage man tried to charge me for a service I hadn't requested and work that didn't need doing... he picked on the wrong girl!I'm no mechanic, but I am quite technically minded and was well aware he was trying to pull a fast one, so had great delight in telling him so, much to his embarrassment. :T
Mortgage @ 03/2019: £125,000, Now: £50,378.61
Mortgage OP’s: £22,109.28
SHTF pot: 209.42/10000 -
:T Love it!
My sister is a car tech and I take great joy in bringing her with me to a garage as "rip off protection". Once a garage told me I had to pay about £250 for a brand new piece of kit when they had !!!!!!ed up some of my coding during an unrelated repair. Brought my sister with me a few days later and she went in, did a couple of minor things with pressing buttons in a sequence.. and it was entirely resolved, for FREE. Right in front of them tooNever felt so smug and of course they were even more stunned because she was the girl
Well done for not being a mug - they prey on them! (I'm one too so always best to bring back up :rotfl:)
Have a great evening and weekend!- on a mission to be debt-free by the end of 2017 - :cool:
[STRIKE]37500 [/STRIKE] 346500 -
Oh that's brilliant Levi! :rotfl:
You could do with hiring your sister out - 'rent a tech' stylee - you never know, it may catch on!
You too, have a fab weekend with LL.
xMortgage @ 03/2019: £125,000, Now: £50,378.61
Mortgage OP’s: £22,109.28
SHTF pot: 209.42/10000 -
Lots of 'greys' today...
I'm trying really hard to be cheerful today.
It was just me & my little man all weekend and neither of us were feeling 100%, so we didn't do much. I felt like such a rubbish mummy for mostly letting him veg and watching DVDs for the weekend and probably not entertaining him as much as I should have done. We also didn't get to go to his usual Saturday sporty club session as we had to wait in for the boiler to be serviced. He did seem to be playing by himself a lot whilst I rushed around trying to get things done in the house
He loves company and generally has no-one to play with other than Me and his Dad. I feel bad that he won't have a brother or sister now, but I try not to dwell on that as I'm not really close to mine, and let's be honest, there's nothing I can do about it!
Ds has also not been sleeping well for weeks now. He never has slept particularly well, but it did improve about a year ago for a while. The broken sleep is killing me! I'm at that 'struggling to function' tired now. I could really do with a week off just to sleep and catch up with things in the house!
Right, let's try and find some positives:
1. It's pay day on Wednesday. :j This is when my obsession with YNAB will have to begin too as I'll be living on my new (very sparse) single budget!
2. I'm not overdrawn. Yet. Although it's close...
I'm going to try and start painting my lounge evenings this week. I have all the paint and think I have enough rollers/brushes in the garage, will have to check tonight. May need a dust sheet of sorts though.
I also have a few orders I need to get out of the way for my home business (I'll talk about that another time), so will try and get those done and sent off tonight.
Sorry it's a bit of a grey update this morning, I'm really not feeling the love today!
Happy Monday all
xxMortgage @ 03/2019: £125,000, Now: £50,378.61
Mortgage OP’s: £22,109.28
SHTF pot: 209.42/10000 -
Hey me, fab diary.
We sound in very similar positions re exes and the kids, the whole set up.
I am also a YNABer and in the middle of decorating!!
Keep up the good start you have made, nothing like a fresh coat of paint to banish the greyness!!£1000 Emergency fund No90 £1000/1000
LBM 28/1/15 total debt - [STRIKE]£23,410[/STRIKE] 24/3/16 total debt - £7,298
!0
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