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Good luck with appointments and buildings.Aiming for a minimal spend 20223
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We have had 2 apts this week and have been told we can go ahead very soon which is much sooner than I thought and may be before payday. I have asked to borrow money from my very kind family member and they have kindly agreed 🙂. I do want to get it back to them ASAP so just waiting on an invoice for that. It's an expensive time.
We have had someone look at work for the other house but what needs to be done is fiddly and we got the impression they didn't really want to do it. Oh is thinking up a plan to see if he can do some himself and then just get someone in to do the final bit. As bad as it sounds I am leaving it with him atm as my head is spinning.
Nice day with the boys, we made cake, watched a film and played. Have had a good clean of the kitchen which looks much better.
Payday seems like a million miles off!
Hope everyone is OK.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming4 -
Such nice news that you can start treatment so soon and your lovely relative can lend you the money. I hope it is successful and hopefully you can pay them back at a reasonable rate that will not break the bank0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
Thank you, yes January isn't really the best time but I don't tend to do things by halfMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
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Pass as much to OH as you can, you need to be relaxed and stress-free / stress-reduced.
How lovely relative is helping with a loan allowing you to grab this opportunity.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Yes MF you are right I shouldn't feel guilty. I do need to be as relaxed as possible.
Had a good day today, OH working so I took the boys for a swim and then we had a friend round, quite productive as did some cleaning and 5 loads of washing
Sausage and mash for tea so that was quite easy.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
Sounds like a fun and productive day, topped off with proper comfort food!
Mortgage started 2020, aiming to clear 31/12/2029.1 -
I think I have noticed a pattern in myself which is not good.... When money is not good I stay away which is the exact opposite of where I need to be.
We have managed to almost complete the majority of work on the BTL, We were quoted 6k but OH did it with his Dad and we got it done for under 1k. We have a few more bits to do and need to sort the garage door but no urgency on that. I am just very pleased we have saved some money and moved forward with the situation.
Have been doing quite a bit of OT atm which is draining and I am going to try and scale that back for a bit. We have Mot and car ins to pay this month (which we will pay in full) so lots of demands for our cash.
My little one has not been well but seems to be improving after a few days home.
Money shuffle done for the month. Will need to go into OD this month but things should start to get easier. I need to remind myself we are on the back of paying thousands for a remortgage and BTL. This month we have car Mot, car ins and treatment costs... So with all that maybe we are doing OK.
I hope everyone is well.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming4 -
Don't hide away, utilise our support to get you through.
I'm impressed with the cost of work and how much it saved you.
Would you be able to have a week free of O/T a month, replenish your energy levels a bit. It's not forever and things will settle again soon.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thanks MF... I do need to stop hiding when things are not going well.
Yes I am stopping OT for a while now as don't want any additional pressure with my treatment coming up xxMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming4
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