sarahevie's single quest to mortgage freedom

sarahevie1

I've ordered a new bed from ebay, at the end of the day, it's only money.

Also throwing myself into diet and fitness again, have put on a stone in the last 3 weeks. I can't have a couple of meals out, and an Easter egg clearly without putting on loads of weight. It's a family thing, sooo frustrating.

So today I have done a five mile hike and an hour trampolining. I will lose two stone:D

sarahevie1

Had a rather large bouquet of flowers arrive at my house this week, wasn't expecting this at all. It did lift me though as have been having a pretty dire week. Not sure why, as I've socially had the time of my life and spent loads of time with friends, kids and family but really fed up with working so hard and STILL having to look at the prices of EVERYTHING and consider EVERY purchase.

Had my annual mortgage statement for my BTL this week and it shows overpaying is the only way forward. I've not overpaid it at all and in the last ten years I've paid back £92000 and only £47000 has come off the capital. When I'm mortgage free at home I'll be tackling this debt, but unlikely to be for another 5 years.

Brodiebobs

If it makes you feel any better I don't think I would ever stop looking at the prices of things.

I joke that even if won the lottery (even though i'm too tight to buy tickets) however much i'm spending i always like to think i would get a 'deal' so wouldn't still shop around or bartering.

sarahevie1

Cannot believe it's been three months since I last posted.


Lots has happened, and its all been pretty awful to be honest.


Had an issue at work and it ended up spiralling, don't want to say too much, but had the last two weeks of term off with stress but feel like I should at least try again in September.


I flit from wanting to go back to work and carry on and wanting to disappear for good. Have been seriously considering moving back to where my family are from, but can't bring myself to as still hoping the ex will come back. Also got major issues with my house due to my neighbour not allowing me to replace the fence (they own it but won't repair it) and local EAs saying there's no point putting it on the market as it is.


In my career plans I decided to try and buy another BTL to enable me to give up/reduce working hours but the vendor of the house I offered on decided not to sell. Will not be pursuing any others at the moment, as my home town is much more expensive than where I currently live and therefore if I decide to move I will need all the money I can. Have even considered selling my house and the BTL to get a decent house where I'm from.


My grandma is currently at the end of her life which is incredibly sad. This is after I lost my FiL in Jan.


Kids dad has got a new girlfriend and has seen kids for 10 hours in over a month. Missed DD2s birthday. Not sure why I still want him, but still do. I know he's not good for me, so not sure why I still can't eat or sleep and think about him constantly.


I'm at a crossroads in my life and keep hoping it'll get better. Lots of decisions to make and don't know where to start. Hoping it'll get better. Going to go and deep clean my carpets whilst kids are watching bing. Rain hammering down here, suits m mood!

Courgette

:kisses3: to you sweetheart. This too will pass xxx

A_Frayed_Knot

:grouphug: (Always think this looks dodgy) :rotfl:but the only icon with hugs a plenty.

Last 3 months for you, not so good, so please try and focus on the next 3 months, which will be a lot better, right?

You have 2 houses, 3 beautiful kids, and 2 jobs, a lot of balls in the air, I think.

When I read your comment about your ex - it reminded me of Millionaire Matchmaker that was on last night - A baywatch babe - husband treated her not so nice, anyway Miss Matchmaker, gave her some tough love about dating, went on dates, took control and came out the other side - much happier. I'm not saying you are the same, but was nice to watch the transformation. Catch it if you can.

As Courgette says - this too, will pass. Big Hugs being sent to your way.

pinkypig

Life sounds really tough right now but you're clearly a very resilient and resourceful lady so you will muscle through. I know life can have a nasty habit of kicking you when you're down but it more often takes a massive turn for the better when you're least expecting it. I'm sure your happily ever after is on its way
Take care
PP x

summerday

Hiya,

Yours is one of the few diaries I subscribe to, and had noticed you'd been quiet.

So sorry to hear you've had a lot of stressful stuff going on. These things always seem to all happen at once too, don't they.

From all you've posted about your ex, it's clear that you are way too good for him. It must be hard seeing him with someone else, especially as you have three kids together, but there is someone out there who is way better than him. Perhaps it's more the emotional support that you're missing from him as you're going through several other stressful things?

I'm going to send you a PM if that's ok.

Take care xx

sarahevie1

Thanks summerday, i got your pm yesterday and will reply soon. Cant belueve how much has happened since i last posted. I leave my job at christmas as supply teachers are in high demand where i live 303 are employed every day by the local authority. Well that was the plan when i handed my notice in at half term. However, i sold my house beginning of november, and im moving to north yorkshire, so after 10 years its bye bye west yorkshire. Im concerned about teaching in north yorkshire as theres not the number of jobs compared to bradford where i currently work but quality of life will be better.

A few things happened this year which made me realise that i wanted to move, the number of twilights where i was leaving work at 8 but after school club shut at 6 wasnt sustainable without family to help. My grandma died in aug. I lost my father in law in jan and i realised i wanted to live near my family. I never wanted to take the kids away from their dad which is why i have stayed as long as i have. However, once ex got a gf he saw kids for 30 hrs in 8 weeks. So i realised i had to put me first and stop making his lufe easy. House prices are more expensive where im moving to, which also put me off moving before, but i inherited 75K from my grandma so that has covered the house price increase. I also made 85k on my house which helped. Sold for 275K. Think we are 2 weeks from exchange.

Met an amazing guy in july, but he ended it in oct as we didmt see much of each other with work, my children were also awful to him. He also felt the dustance when i move would be too much. I have a lit of regrets over the relationship as he was very suitable but the timing wasnt right.

Im rambling, but the point of this is that im spending 350k on a four bed detached forever famiky home in a north yorkshire village and im going to be mortgage free. Other than the 75k inheritance, the rest has been me alone. I cant get a mortgage, even if i wanted one, as have no job. I am worriec abiut job prospects where im moving, teaching jobs few and far between, but bye bye childcare bill and bye bye mortgage so hoping i can make it work.

beanielou

Wow.
I hope it all works out for you.
Yah to being mortgage free