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Renovations and Repayments.

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    :rotfl: No need to be sorry, you've made my son happy. :)
    Ah yes, I do that for all the boys ;)

    Thanks! I'm quite torn about what to do now as I was thinking about taking him on Tuesday but there's this http://www.ospreys.org.uk/lyndon-reserve/family-fun-days/ day on the 4th August which I thought might be more fun for my son?
    That does sound like fun :T and although the ospreys will have fledged they should still be going back to the nest. To be honest he may be a little underwhelmed with the nest as you are not that close to it and still need binoculars to see well (they have some there for you to use). This sounds like a great day :).
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • edinburgher
    edinburgher Posts: 13,961 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I would really like for my wife and I to pay for this house ourselves, without help from my parents because, perhaps for the first time, it has dawned on me that we can and that we don't really have any reason to plead poverty.

    It is always a nice feeling to realise that you're doing a little better than you give yourself credit for :)

    I think that's one reason why your current house might be more of a 'home' than you believe.

    Your current posts tell of an 'Alex spring', it is fun watching cogs of positivity clunk into place ;)

    What's on the agenda for today?
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    AlexLK wrote: »
    Today I've been thinking about being financially responsible for myself and about my wife and I paying our mortgage ourselves. Recently we set up a regular monthly overpayment of £200 and whilst it's not a lot, it felt really good to know we are at least paying more than the minimum. According to MSEs mortgage overpayment calculator this regular overpayment would save us £30,000 in interest over the term of the mortgage. :) It's rather nice to be paying our own way, having no finance (other than the mortgage) and it dawned on me that to maintain our current lifestyle, we do not need anything from my parents, if required we could quite easily live on Mrs. K.'s salary. For the first time in my adult life, I realise we are not in a particularly bad financial position.

    I would really like for my wife and I to pay for this house ourselves, without help from my parents because, perhaps for the first time, it has dawned on me that we can and that we don't really have any reason to plead poverty.
    Missed this earlier Alex - superb post :T:T:T.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    edited 12 July 2015 at 11:22PM
    gallygirl wrote: »
    Ah yes, I do that for all the boys ;)

    ...Awaiting to hear how you plan to make me a happy boy, GG. :)
    gallygirl wrote: »
    That does sound like fun :T and although the ospreys will have fledged they should still be going back to the nest. To be honest he may be a little underwhelmed with the nest as you are not that close to it and still need binoculars to see well (they have some there for you to use). This sounds like a great day :).

    Thanks for the advice, I think I've now made my mind up regarding this.
    gallygirl wrote: »
    Missed this earlier Alex - superb post :T:T:T.

    Thank you. :)
    It is always a nice feeling to realise that you're doing a little better than you give yourself credit for :)

    I think that's one reason why your current house might be more of a 'home' than you believe.

    Your current posts tell of an 'Alex spring', it is fun watching cogs of positivity clunk into place ;)

    What's on the agenda for today?

    Thank you. :)

    My house is not a bad place in the grand scheme of things and I am aware it's more than a lot of people have. Quite a few of my music pupils have told me I should consider myself fortunate to live where I do. :)

    Whilst I'm still having low days, generally I'm feeling much better lately. Today, I had a conversation with my father on the 'phone, he said that I should be proud of the fact I always put my son first and that he thinks I'm a good teacher. That meant a lot to me.

    Nothing was on the agenda for today and whilst we should have been doing something to the house, we bought some new walking boots for our son, went swimming and went for a drive around the peaks. Also had a rather indulgent evening meal which negated the swimming effort. Mind, I only went to see Mrs. K. in a bikini. ;)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • maman
    maman Posts: 29,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    [QUOTE=AlexLK;68774134
    Whilst I'm still having low days, generally I'm feeling much better lately. Today, I had a conversation with my father on the 'phone, he said that I should be proud of the fact I'm always put my son first and that he thinks I'm a good teacher. That meant a lot to me.
    [/QUOTE]


    Great!! Delighted for you.:T
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    maman: Thank you. Oh and thanks for highlighting my less than satisfactory command of the English language. ;) :rotfl: :eek:
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    AlexLK wrote: »
    maman: Thank you. Oh and thanks for highlighting my less than satisfactory command of the English language. ;) :rotfl: :eek:
    Only you could find something negative in a compliment Alex :rotfl:. Sounds like your dad realises, somewhat belatedly, what is important :T.

    Glad things are looking up for you all round. Also great advice given on NG & Ed's threads. What is the world coming to :D.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    gallygirl wrote: »
    Only you could find something negative in a compliment Alex :rotfl:. Sounds like your dad realises, somewhat belatedly, what is important :T.

    Glad things are looking up for you all round. Also great advice given on NG & Ed's threads. What is the world coming to :D.

    What is the world coming to, indeed. ;)

    Today is not looking great: little sleep last night, the recent business deal has fell through and I reckon the relationship between my ex-business partner and I has hit an all time low. To be honest, I think I either need to find someone new to make the pieces I sell or move on from the business.

    On the positive side I did have an amusing call from a tenant, basically telling me not to forget the boiler service was due next month. :rotfl:
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • Havn't been around here for a while, but it's wonderful to see such positive thinking. You could certainly be in a much worse position, I live in a new build semi in Swindon, the horror!! It is however, warm, safe, and mine. I might still dream about the cottage with the aga and the roses round the door, but this'll do until the ship comes in :)

    Just wanted to mention that I *think* Music is considered a shortage subject, and therefore students on the PGCE are entitled to a £9000 bursary during the course. It's not much, but is better than nothing. When I did mine I also still worked at the weekends, which was hard, but possible. Obviously this may change, but it may help make a decision. I also wouldn't worry about your medical history, what's important is your ability to do the job now.

    Here's to more happy days :beer:
  • maman
    maman Posts: 29,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Alex, I checked and lgp is right that music qualifies for a bursary provided your degree is a 2.2 or higher

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/438352/itt-training-bursary-guide-2015-to-2016-2.pdf


    I have three teachers in my close family (daughter and two nieces) and they all went into teaching by different routes. Of the three, it was my observation that the PGCE was the easiest route as it involved either being on school experience or being at the university doing lectures/assignments compared. You might even be able to approach the schools you know to do school experience there.


    All I would say is that once qualified (and that means teaching successfully for a year as a newly qualified teacher after completing the PGCE) teaching is an extremely stressful job particularly the behaviour management in certain schools. But you aren't going into this with your eyes closed as you've some experience in schools already. This, your instrumental teaching and any involvement you can get in LittleK's school will look good on any application form.
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