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My 2 year battle to try to keep our home
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Nervous but excited for the valuation.I am so pleased this is just plan A, if the valuation doesn’t match the value the mortgage advisor put in then we have other options and if we do run out of options then we can revisit the applications in the the summer.I just hope the valuation comes back quickly so I can stop obsessing and trying to create plans M, N, O and P
Total Debt May 21 £20,490.44 DEBT FREE DATE 29/7/22
Mortgage balance May 21 £177,096.19. Now £143,070.41
Mortgage free date. At start of sole mortgage = July 2042
2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25 PAID OFF
2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £4238.565 -
Sending good vibes for tomorrow XXXXXXXNevertheless she persisted.3
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Fingers crossed for you on V-Day!Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £1971.56 to the end of Sep
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
My keep within our budget diary is here3 -
Good luck today, I hope it goes well for you!Credit card debt - NIL
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 20363 -
I hope today has gone well x3
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Hello
Hope you are doing ok. What ever the valuation is I am sure people here will be full of ideas on how to make it work XXXXXNevertheless she persisted.3 -
I am shattered. I am still waiting to hear from the mortgage company after the valuation, which is frustrating and a little draining.
The kids are exhausting and really dragging me down
Total Debt May 21 £20,490.44 DEBT FREE DATE 29/7/22
Mortgage balance May 21 £177,096.19. Now £143,070.41
Mortgage free date. At start of sole mortgage = July 2042
2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25 PAID OFF
2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £4238.567 -
Hey, from a lurker, your doing amazing & from someone without kids (I think) that’s their job 😉 keep putting one front in door of the other, and if you can do that then your winning! The valuation will be what it will be, try and be positive and deal with the outcome when you have it xTiredbutdetermined said:I am shattered. I am still waiting to hear from the mortgage company after the valuation, which is frustrating and a little draining.
The kids are exhausting and really dragging me down3 -
That should say in front of the other ! Not sure how door slipped in, my bad! Nonetheless hope you get my drift ! You’ve got this.3
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Sorry you are tired. I hope you feel less exhausted soon.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253
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