From debt to freedom...

Cherryfudge

What a wonderful Sunday! Thank you for sharing - I'm too far inland to go to the sea very often so I appreciate seeing it through your eyes. My version was being up on the moors the other day listening to a rivulet trickling through the undergrowth.

Pasties and homemade brownies sound perfect.  

lucielle

That sounds like a perfect day!

Spendless

I totally read the tip trip wrong. I thought you were meaning you'd received tips from Job 2 in change and had to take them to the bank to pay them in - lol. Jet lag and sad news affecting my sleep pattern. Going to the rubbish tip and reducing what you have left over at your place sounds good too though and the day at the beach sounds idyllic.   

Honeysucklelou2

Thank you Cherryfudge, Lucielle and Spendless.

Half term came and went quite quickly. It was good to have time with my children and SO and his children. We managed a couple of days at the beach enjoying rockpooling at a very low tide which gave the opportunity to clamber over rocks to hidden beaches that can only be accessed at very low tides. 

This last week has been a 4 shift week at Job 2 so I’ve been quite tired today. Looks like next week could be the same.

 Finally got the transfer of equity documents signed after the mortgage company approved them…it’s taken months to get the approval because they seem to have sat on them . Next hurdle is getting the ex to sign but he has now been given a time frame. Hoping it will all come together in time.

Seedlings are through for the Gaura, tomatoes and nigella. I’ve pinched out the tops of the sweet pea plants to encourage bushier growth.

Cherryfudge

Good news on the mortgage documents!

peb

Hoping ex signs expeditiously, if not I'm sure you know that the court can though obviously you'll want to save the legal fees.

I may have misunderstood but if the lender has signed the document is the ex staying on the mortgage?  Or maybe you are staying with the same lender....

Sorry, it's late (I can't sleep!)

savingholmes

Best of luck with getting Ex to sign within your time window

Honeysucklelou2

Thank you Cherryfudge, Peb and SH.

Peb- I have a consent order signed from a year ago. It took me a while to find a mortgage provider that would allow me to take on the existing mortgage amount on a sole basis so basically removing the ex from the mortgage. The current mortgage provider wouldn’t allow me to just take the ex off and remortgage but the new provider has offered a sole mortgage. The new mortgage company’s legal team had to approve the transfer of equity wording…my part is all signed and am hoping I won’t have to go back to court this month.  It will also mean I can change from the current interest only mortgage to a repayment one which I am keen to do.

Pay day was yesterday so I’ve paid £288 off the next debt bringing it down to £200. 

This week is another 4 shift week so am hoping I can chip away at the remaining £200.

Cherryfudge

This is all sounding positive!

Brilliant to see that debt nearly gone, it really is so close!

Will the ex's name go off the deeds? I wouldn't like it if he let you do all the paying but still had a stake in the house! (Not that it's any of my business. )

peb

Cherryfudge, it will be simultaneous.