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My 2 year battle to try to keep our home

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Comments

  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a good weekend. Have you got anything nice planned for you? Does that feel impossible right now? I promise you - even if it's just taking a few minutes out just for you it makes a difference.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I vote for the wine and natter. I am having a difficult time in a very different way but some wine and natter did me so much good this week. I hope you go for it.
    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) 25/07/2025
  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You will get to the other side. I've been through that constant email refreshing too...  I hope you manage to get some childfree time.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • Hope you’ve had chance to meet your friend or do something for you. Working full time, managing a home and raising a family on your own is a huge task, taking time out for yourself is important. I find just getting out for a walk as often as possible is a stress reliever and sanity saver🙂.
    paydbx2026 #19 £3324/£6000 . Mortgage start £148k June 23 - now £133k.
    2026 savings challenge £0/£2000
    EF £140. Savings 2 £2.17
  • SusieT
    SusieT Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Fingers crossed for less than 2 years wait :smiley:
    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 2036
  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well you could always start a new diary with a more optimistic title. Hope it works out for you for the mortgage.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
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