*sigh* this may take a while

Drawingaline

OK, no help car wise.

However I am a cleaner and you absolutely cannot go wrong with a Henry. Mine is coming up 8yrs old, bits are easy and cheap to replace and mine is lugged about daily from client to clients. Yes he can be annoying hen dragging, get stuck doors, and does occasionally fall over. But he has a face and therefore a personality, so I can swear at him and believe he listens lol!

And the smallest version is £100. Although if you work for a supermarket check out if they stock it with your discount.

Honestly I avoid using any clients hoover unless it is one of the Henry family.

savingholmes

Having that kind of equity is fab. It is hard to downsize your house - but we've done it in the past - as long as the individual rooms that you do have are big enough you miss it less than you think. If you could be mortgage free completely that would be an amazing feeling - you could then grow your savings and investments and diversify a little.

Drawingaline

Glad to help frago!

ohdearhowdidthathappen

Drawingaline wrote: »

OK, no help car wise.

However I am a cleaner and you absolutely cannot go wrong with a Henry. Mine is coming up 8yrs old, bits are easy and cheap to replace and mine is lugged about daily from client to clients. Yes he can be annoying hen dragging, get stuck doors, and does occasionally fall over. But he has a face and therefore a personality, so I can swear at him and believe he listens lol!

And the smallest version is £100. Although if you work for a supermarket check out if they stock it with your discount.

Honestly I avoid using any clients hoover unless it is one of the Henry family.

Funnily enough, I'm debating a Henry after a friend (who's a cleaner raved about hers!)

ohdearhowdidthathappen

savingholmes wrote: »

Having that kind of equity is fab. It is hard to downsize your house - but we've done it in the past - as long as the individual rooms that you do have are big enough you miss it less than you think. If you could be mortgage free completely that would be an amazing feeling - you could then grow your savings and investments and diversify a little.

Trouble is, if we downsized, kids would have to share rooms. We did the extension so they didn't have to I think we'll end up downsizing as and when the children start leaving home

ohdearhowdidthathappen

Thanks all.... think I was just having a whiny day. We aren't in a bad position, I just get bored sometimes of the drudge!
NSD today, although OH is away this weekend with some of his old friend, dread to think what he'll spend! He's overly generous when in a group! Doh

crunch_time

ohshithowdidthathappen wrote: »

Thanks all.... think I was just having a whiny day. We aren't in a bad position, I just get bored sometimes of the drudge!
NSD today, although OH is away this weekend with some of his old friend, dread to think what he'll spend! He's overly generous when in a group! Doh

I dread similar situations with my other half!

Moneywhizz

Regarding your car situation do you think there is any chance of persuading your husband to hand back the car? You have already paid approx £8000 and still have another £14000 to pay, not including any interest you may have to pay on the final £9000. That means the car is costing you at least £22000 and will not be worth even half of that by the time you pay it off! If you hand it back and use the £210 monthly payment to borrow enough to buy two second hand cars you could have that paid off within a couple of years. It really is only by taking steps like this that you will start to feel that you are not skint and have enough money to live the life you want with your kids now.

ohdearhowdidthathappen

Moneywhizz wrote: »

Regarding your car situation do you think there is any chance of persuading your husband to hand back the car? You have already paid approx £8000 and still have another £14000 to pay, not including any interest you may have to pay on the final £9000. That means the car is costing you at least £22000 and will not be worth even half of that by the time you pay it off! If you hand it back and use the £210 monthly payment to borrow enough to buy two second hand cars you could have that paid off within a couple of years. It really is only by taking steps like this that you will start to feel that you are not skint and have enough money to live the life you want with your kids now.

Have tried soooo many times, he's really stubborn about it. This is actually the second time he's done one of these deals, last time (unsurprisingly), we didn't have the balloon payment, so he traded it in for our current car. Drives me mad, as I'm really not fussed about cars.
His argument is that on his income, the car payment really isn't much. I disagree.... caused many an argument!

ohdearhowdidthathappen

NSD for me today....
OH weekend away is making me grumpy. So far;
£240 for accomoadation
£30 on supplies to take away (booze)
£20 on groceries
£50 cash 'just in case'
They're eating out both nights too, not cheap places, I'd guess at £50 per night.
By my maths, there won't be much change from £450

Have told him no more big expenditures like that until we're debt free. To be fair, he doesn't do this stuff regularly, it's just come at a bad time