Skinny Latte's Mortgage Mugging

hiddenshadow

Congratulations! Future You will definitely appreciate the better pension contributions.

Skinnylatte

hiddenshadow wrote: »

Congratulations! Future You will definitely appreciate the better pension contributions.

I wish I'd met my future you a long long time ago!!

What can I say, just trudging along still.

DD let a drunk friend drive her car, who wrote it off, so now she has no car and can't afford one and has decided to go to tenerife for the winter. She said ' when life throws you lemons, make lemonade' can't argue with that!!

Apart from that I'm just waiting for the start of November so I can update my mortgage. BF says I should worry less about paying off my mortgage, I don't really worry, I'm just impatient!

I have just launched a new website that I run part time, it went live Friday and I've had a sale from it already, so I suppose that's quite exiting, if it takes off I can pay myself a salary from that straight in to the mortgage. I'm just finding it it hard to get exited about much at the moment, maybe it's the time of year

Skinnylatte

Well it's my favorite time of month, when all the signatures can be updated :j

So the mortage is coming down nicely, and will definately meet my target of <£120,000 before Christmas, unless someone comes and steals all my money or my house falls down or something and I can't afford Decembers payments,

Daily interest rate has fallen by 3p a day (£10.95 per year). Although it seems they will be on the rise soon, so that'll all get cancelled out anyway.

Emergency saving are building up, although they are actually waiting to pay off the interest free card (why the ffff do I have that??) next August, but in the mean time they are offsetting the mortage.

I have had a 2nd sale off my new website, so that's an average of 1 per week, just need to get that up to 1 per day and I'll be a happy bunny.

Working my notice is painful and endless, I'm not doing an awful lot and feeling quite guilty for it, roll on January.

And that concludes October

Skinnylatte

I forgot to add some bonuses that occured in October. The HMRC sent me a tax rebate for £1578.66 (thieving boogers shoudln't have taken it in the first place) I also received my £50 M&S voucher for taking out the M&S credit card and spending £100 on it (only put fuel on it and now paid off)
Also £25 from T0pC@sh B@ck, for an airport parking booking for work and the Bruge holiday :T

Seasidegal58

Well done on the mortgage payments and fingers crossed for more sales on the website!:j

try_harder

Great result on the website sales.

EatingTheElephant

Congratulations on the new job and the new website :T

Skinnylatte

Thank you, you're all so kind and encouraging. There have been no more sales from the website, in fact it's been very quiet all round, maybe half term, I hope so. I am being very lazy working my notice in this job, so I should make use of the extra time by promoting the new website more.

I have 3 more paydays in this job, and my last pay day in January will only be half a one any way. In my new job I get paid every 4 weeks, which seems a bit bizarre, I haven't figured out how that's going to work yet.



I now have nearly enough money in my savings to pay off that toxic CC. But it's on interest free until August, so it makes sense to keep it in my off set account and save me around £70 interest until then, but the temptation is I might spend it, on something very sensible like fixing the house up more, but even so.....


Well big news, scary news, BF and I have decided to move in together. Well in fact it would be me and mine moving in to his old family home. Whilst we're under no illusions this is going to take some very careful management, I can't continue to carry on living out of plastic bags between the 2 homes. How long am I supposed to put my own life on hold whilst the kids make the transition to independence?




All the practical stuff like combining possessions and finances is easy, it’s the kids I worry about. I’m a very laid-back parent (some might say lazy!) and because of that I wish they treated me and my home with more respect. BF hates that and I think that may be our biggest issue. It’s interesting now actually as it’s making me look at my parenting more, how I’ve always feared my daughter’s anger, and avoided it. How I always wanted to keep the peace and avoided confrontation, yes, a lot of avoidance going on. Very much a result of my upbringing I believe [EMAIL="now.&#64;Children"]now. ‘Children[/EMAIL] should be seen and not heard’etc, we don’t make a fuss, we don’t ask for or expect anything. So, I grew up keeping my head down and avoiding upsetting anyone. In fact, I avoid my daughters anger very much like I avoided my mother’s. Gosh I really need to stand up for myself more don’t I ….!


Has anyone else been through this (the moving in bit)? What happened, how did you manage it? Or any advice at all, even if you haven't been through it...!

dawnybabes

Eek, sounds exciting

You will have to sit down with the kids and give them house rules. What are you going to do with your house ?

Seasidegal58

So pleased that you and OH are about to move on to the next stage.

Only went through it once when DD was mid-teens - then partner and I bought place together but she always got on with him until we began to break up so I’m not really a lot of help here.

I think dawny is right about the house rules though. It will be his home too. Have you told them yet?