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Twinklie returns to the property ladder

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  • Courgette
    Courgette Posts: 3,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    All looks great! Enjoy the veggies 
    Updating soon...
  • twinklie
    twinklie Posts: 5,174 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So DS2 had his consultation with the Educational Psychologist on Wednesday. We got as far as confirming he’s very complex. 

    A few suggestions offered, but more work to do to unpick him. 

    He’s really struggling and it’s absolutely exhausting. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • becky170
    becky170 Posts: 879 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    So sorry to hear that DS2 is struggling. I know how hard it can be for the whole family. Is the EP doing to assess him again after putting in place the suggestions offered? 

    Hope you manage to have a break over Easter x
    Mortgage-free wannabe 2025 £571/3000
  • twinklie
    twinklie Posts: 5,174 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    March update
    I always do a month in arrears, so forgive the lateness of this one. 

    SAVINGS
    Aim to save £400 per month to build emergency fund and for rainy day expenses (car, house maintenance etc.).  DONE
     
    MORTGAGE 
    Current daily interest - £13.12
    We now own 28.55% of the house - current rough valuation actually puts us as 41.76%.
    4 rooms owned (5 if I go with the higher valuation).
    Paid off 20.19% of the mortgage. 
    Current MF date - Oct Sept AUGUST 2037.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,174 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So mini update from me as I appear to have gone AWOL. The kids only broke up on Thursday, so we've only just started our Easter. 

    Friday - Garden day, just tidying up bits and relaxing a bit. NSD
    Saturday - STEAM session for the boys at the library (Free), followed by a treat at Costa (not free) and more gardening. 
    Sunday - I got the dog out nice and early for a walk, then the kids and I just chilled at home playing and watching movies. NSD
    Monday - My parents came round for a games afternoon and we played board games, rolled our Easter eggs (down the slide due to bad weather) and then the boys had their swimming lesson. NSD
    Tuesday - Chill at home day catching up on housework and planning the garden/allotment etc. NSD
    Wednesday - I'm working - kids are at a short breaks group - £24 for both. 
    Thursday - DH and I are having an allotment day. Kids are going to a free respite group for the day. This may involve buying things for the allotment, so not likely to be a NSD. 

    It's been a weird start to the holidays, my brother inlaw died at the end of March, but they didn't inform us until a few days later (he'd withdrawn permission for them to speak with my sister and was refusing to speak with her etc), so it's all a bit strange. My nephew is in another country and trying to coordinate his return with a funeral and other bits and bobs is proving quite difficult especially with the long bank holiday weekend. I don't even think she has a death certificate yet. 

    As a result of the above, I'm finding it very difficult to plan anything for the second week of our Easter because there is a strong likelihood we'll have the funeral to attend. But I'm not sure, when. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,174 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    becky170 said:
    So sorry to hear that DS2 is struggling. I know how hard it can be for the whole family. Is the EP doing to assess him again after putting in place the suggestions offered? 

    Hope you manage to have a break over Easter x
    The EP said we can go back to them, but also there is a specialist teacher coming in the first week after Easter. So hopefully we'll have more information after that. If there's nothing tangible though, I'm going to put a parental request for an EHCNA. We'll see what happens/how DS2 is coping after the Easter break. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,174 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    The out of office is back on and I’m off for 11 days now. Woo hoo!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,174 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I was right about yesterday not being a NSD. I spent £100 on gardening stuff (mainly seeds and seed potatoes etc). 

    Ooophs. 

    The kids went to a group for the day. They really enjoyed it and seemed to have a great time. But then right at the end it was spoilt for DS1. When picking him up we’d seen him talking to a little girl and a boy. We thought they were chatting but it turns out the boy (younger than him) was calling him “a freak” in a nasty way and saying he shouldn’t be talking to the girl. 

    I’m so proud of him though because although he finished the day in tears, he hasn’t let it put him off and said he would go back because he had fun. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,174 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sooo my nephew is flying back on Tuesday for 2 months, still no news regarding the funeral and my uncle was rushed into hospital with a blocked bowel this morning. 

    Honestly, I don’t know whether I’m coming or going atm. 

    Was looking for somewhere to stay near my sisters for a weekend whilst my nephew is over just to meet up. Everywhere is so expensive. 🙄
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
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