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sarahevie's single quest to mortgage freedom

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
721 replies 97K views
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  • sarahevie1sarahevie1 Forumite
    575 posts
    Fifth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    In other news, feel like I need a drum roll, ex wants to move back in. Or me to move into his flat. (His flat is not suitable. It's lovely and appears massive, but still only two bedrooms.
    Home - Cash purchase £350,000 nov 2018
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    BTL: Purchased £105,000 June 2019 - Rented £650
    BTL purchased July 2020 - New £170,000 mortgage - Rented £795
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • debtfreeonedaydebtfreeoneday Forumite
    3.4K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    WOAH - and what do we think to that?
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £68,031.51
  • Ali-OKAli-OK Forumite
    4.1K posts
    Part of the Furniture Debt-free and Proud!
    ✭✭✭✭
    WOAH - and what do we think to that?

    Ditto!! I was like 'Oh!!'
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • sarahevie1sarahevie1 Forumite
    575 posts
    Fifth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    Not sure, I'd need to stay in my house for practical reasons. Like garden, bedroom space, girls' school etc.

    It's not come as a complete shock as quite frankly he comes round every night. His work is only a ten minute walk from my house.

    The timing was planned. My new mortgage was supposed to go through today, but solicitor delay at the very very last minute. So ex thought it had gone through. He was apparently waiting for the house to be mine, so I wouldn't think he wanted the equity in the house.

    He's been making an effort to do stuff I used to moan at him about, like sending me photos of kids. We've been sharing the time off work when the girls are sick. He's been picking them up a lot more after work so I can get stuff done.
    Home - Cash purchase £350,000 nov 2018
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    BTL: Purchased £105,000 June 2019 - Rented £650
    BTL purchased July 2020 - New £170,000 mortgage - Rented £795
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • selloptapeselloptape Forumite
    598 posts
    ✭✭
    Omg! How do you feel? What do your instincts say?

    Save 12k in 2019 #8 £2432.65/£2,500
    MFiT T5 #22 Save £20k over 3 years £5495.08
    Walk 1500 miles in 2019 - 645.92/1500
  • sarahevie1sarahevie1 Forumite
    575 posts
    Fifth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    Had a pretty horrible weekend.

    I'm really worried about DD1, she's really upset and fed up. Very withdrawn. Been lying at school etc.

    Have put in a referral for Cahms for her.
    Home - Cash purchase £350,000 nov 2018
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    BTL: Purchased £105,000 June 2019 - Rented £650
    BTL purchased July 2020 - New £170,000 mortgage - Rented £795
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • debtfreeonedaydebtfreeoneday Forumite
    3.4K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
    ✭✭✭✭
    Sounds like DH is making a big effort.

    Sorry to hear DD1 is having a tough time.. Hopefully CAHMS can help?
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £68,031.51
  • beanieloubeanielou Forumite
    72.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    There is always something.
    Hope Calms can help.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • sarahevie1sarahevie1 Forumite
    575 posts
    Fifth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    DD1 wants to live with Daddy, she's really really close to him. So anyhow we've decided to spend time at mine and her dad's flat as a family. We're even spending christmas at my parents house ex included.

    DD1 has been a bit brighter today. I'm wondering if she's starting with hormonal changes, I started my periods aged 9.

    Lodger's new place is completing on 25th, next wednesday, so they reckon they will go the following weekend. So this coming weekend will probably be my last with a lodger. Have to say I'm really really excited. :D
    Home - Cash purchase £350,000 nov 2018
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    BTL: Purchased £105,000 June 2019 - Rented £650
    BTL purchased July 2020 - New £170,000 mortgage - Rented £795
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • debtfreeonedaydebtfreeoneday Forumite
    3.4K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
    ✭✭✭✭
    Whooppp, house to yourself - no more lodger!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £68,031.51
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