Finally Debt Free After 34 Years, But Still Need to Live Frugally

Seasidegal58

You sound like you've got a good system at the school with regards to separating the children - well done!  I would find it on par with herding cats!😀

The mortgage holiday is an excellent idea and will take the pressure off your finances.

HairyHandofDartmoor

Seasidegal58 said:

You sound like you've got a good system at the school with regards to separating the children - well done!  I would find it on par with herding cats!😀

The mortgage holiday is an excellent idea and will take the pressure off your finances.

Thanks SSG . It's very similar to herding cats 🤣😂.

doingitanyway

Good thinking on the mortgage holiday. No point stressing out when there is a way not to.
Your day does sound tiring. I hope you get a rest this evening.

HairyHandofDartmoor

doingitanyway said:

Good thinking on the mortgage holiday. No point stressing out when there is a way not to.
Your day does sound tiring. I hope you get a rest this evening.

Thanks DIA . I know our payments will go up slightly after the three months but it will give us a respite and hopefully we'll have had a grant from the government by the time we have to start paying it again.

I do feel a bit of a wimp to be so tired, but then I am on the wrong side of fifty so that's my excuse for everything now 😉 .

doingitanyway

HairyHandofDartmoor said:

doingitanyway said:

Good thinking on the mortgage holiday. No point stressing out when there is a way not to.
Your day does sound tiring. I hope you get a rest this evening.

Thanks DIA . I know our payments will go up slightly after the three months but it will give us a respite and hopefully we'll have had a grant from the government by the time we have to start paying it again.

I do feel a bit of a wimp to be so tired, but then I am on the wrong side of fifty so that's my excuse for everything now 😉 .

Or the right side of sixty.
You aren't a wimp. You've been off for a bit but you'll be less tired when you hit your stride again

Willowtree222

Deffo the right thing to do if you feel relieved. It is easy to apply and hopefully it will give you the break you need x

teafor2

Hi HHD I don't think you're a wimp at all. Looking after children is tiring without the added extras of keeping them separate and cleaning handlebars down etc. If it were me I'd be inclined to take the easy option and keep the trikes locked up  and give them something else to play with  

I think the mortgage break is a good idea. Absolutely no point laying awake worrying about things when there's an option available to help people. None of this is your doing, it's just the situation we're in. Much better to give yourself the breathing space you need. Have a lovely evening xx 

milann

I think you’ve done the right thing taking a mortgage break - in the grand scheme of things 3 months is nothing. There may come a time when you can make overpayments. We all have to do whatever it takes to get through. 

I’m quite surprised you are on your own at dinner time. Are the other school staff easily accessible in case of injury or accidents?

HairyHandofDartmoor

doingitanyway said:

HairyHandofDartmoor said:

doingitanyway said:

Good thinking on the mortgage holiday. No point stressing out when there is a way not to.
Your day does sound tiring. I hope you get a rest this evening.

Thanks DIA . I know our payments will go up slightly after the three months but it will give us a respite and hopefully we'll have had a grant from the government by the time we have to start paying it again.

I do feel a bit of a wimp to be so tired, but then I am on the wrong side of fifty so that's my excuse for everything now 😉 .

Or the right side of sixty.
You aren't a wimp. You've been off for a bit but you'll be less tired when you hit your stride again

Thanks DIA

Nicnak said:

Deffo the right thing to do if you feel relieved. It is easy to apply and hopefully it will give you the break you need x

Thanks Nicnak

HairyHandofDartmoor

teafor2 said:

Hi HHD I don't think you're a wimp at all. Looking after children is tiring without the added extras of keeping them separate and cleaning handlebars down etc. If it were me I'd be inclined to take the easy option and keep the trikes locked up  and give them something else to play with  

I think the mortgage break is a good idea. Absolutely no point laying awake worrying about things when there's an option available to help people. None of this is your doing, it's just the situation we're in. Much better to give yourself the breathing space you need. Have a lovely evening xx 

Thanks TF2 . The trouble is they love the trikes and spacehoppers and it keeps them occupied. They'd just be running about with balls otherwise which they'd get bored with after a while. I can't organise team games or they'd get too close together.