The second hurdle - Nichelette v the huge mortgage

savingholmes

Well done on the student loan. Congratulations 🥳👏 on your pregnancy. I think nursery will do DS good so going part time should help as you say.

Cornish_mum

Many congratulations, CM

Nichelette

Thanks all, that's a good point about student loan too @South_coast! Not feeling majorly symptomatic at the moment but trying not to worry too much. What will be will be, and I wasn't really nauseous last time either. Bet it's another boy lol. We actually only have a boy name at the moment anyway.

Work have actually announced we're definitely getting another 2.9% today so that takes me to £37,857 and DH to £42,353. As someone who grew up on a council estate those amounts seem crazy to me. Just looking I honestly feel like we live a completely different lifestyle to what that would suggest. One day when we're post nursery fees maybe I'll feel a bit different lol.

S74 have asked for a bit more info. One of the things is an email from the repairing VW garage about what caused the fault, could it be an inherent/manufacturing issue etc. They're yet to reply, but as that is shooting themselves in the foot I'm interested to see if they bother or not. Surely ignoring again is proof they're in the wrong? The only info on lifespan I could find is here which says 100-120k miles but it's hardly an official source so can't see that being accepted. Unfortunately as it failed after 6 months the burden is on me to prove it wasn't of sufficient quality to start with. 

Feel like every day something gets worse at the moment. Will see what they do with stamp duty tomorrow and if it makes house prices go even more mental. At the rate interest rates keep rising we may end up being here for longer than I want but such is life. 

savingholmes

I'm impressed at what you are achieving on those wages - especially with nursery as well.

South_coast

Brilliant news on the pay increases - and even better that the SLC won't be getting their thieving hands on 9% of it!

Nichelette

Paid student loan off yesterday so finally gone. Woop. 

VW still haven't replied. Think it's 10 days now? Will chase up and ask them to actually let me know if they're refusing to provide a response. Don't really want to have to waste time doing an hour round trip to go to the branch but I'll have to if they won't respond to me. Honestly they're never getting a penny of my money again. They're such a shoddy outfit. 

Going to tell my manager today about baby which I'm not looking forward to as I only started again in April (technically Feb as I was using accrued holiday until I actually started back. 

Worked out if interest rates go to 6% that will add circa £370 to the mortgage (estimate to have around 200k left in Jan 24 when fix expires). If nothing changes definitely can't see us moving. We could probably have afforded it if not for nursery, but I won't put us right on the edge because I wouldn't be able to sleep at night. Continuing to plug away at prolific surveys because I think they will be the only source of OP's the way things are going. 

Merlin's_Beard

Congratulations on getting rid of the student loan -that will be another nice sum that now goes to you and not them!

savingholmes

Well done on clearing the student loan. 

Good luck with breaking the news to your manager...

Nichelette

Thanks both. Manager was fine though I do feel awful as so close together, but I did explain that because of my age and not wanting to start again at 40 because of risks etc hand was sort of forced if we were going to have another. This will definitely be the last!

Still no reply from VW. Has been 12 days now so I've asked them when to expect a response, or to at least let me know if they're not going to provide one. I'm so sick of being ignored by them. 

8% rates will put £600 on mortgage which is fun when nearly everything I'm earning will go on nursery soon. I can't believe the mess everything is in at the moment. When the IMF started commenting I was a bit . At least student loan is gone..

LadyWithAPlan

well done on the student loan going - what with the money back from that and your pay increase you will feel a bit more flush.

Hope you continue to feel great. 

I also earn a lot but I don't  actually feel like I do but thats cos I am saving away and putting all money into pots so I never see it..