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My 2 year battle to try to keep our home
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Oooooh fingers crossed!!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20213 -
Sending good vibes XXXXXNevertheless she persisted.3
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Got everything crossed for you.. even my eyes! (((hugs))) XXXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy3 -
Since the Forum changed, it was the case that the titles could be changed, but I haven't done it myselfsavingholmes said:Well you could always start a new diary with a more optimistic title. Hope it works out for you for the mortgage.Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
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 thread
My new diary is here3 -
I have been very quiet for a while as waiting to try to sort the finances and see what happened with the mortgage. It has been so slow and I have been getting more and more obsessed but also more and more pessimistic.
However, I have found out to day I have had the mortgage I wanted accepted. I can’t wait to have my own mortgage and the ex off the house and the mortgage.
The rest of my finances are starting to fall into place. I feel like I have had the odd tiny splurge but I get paid on Monday. I have the hairdressers on Saturday and the cash is in my purse ready. I think I should end up with an end of the month balance of zero, which is fabulous when I usually end up at my £250 overdraft.My credit card should be able to disappear towards the start of next month and then I can actually start saving.I can’t quite believe how much more positive my life has become in the last month
Total Debt May 21 £20,490.44 DEBT FREE DATE 29/7/22
Mortgage balance May 21 £177,096.19. Now £143,588.36
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 = £3275.8818 -
That’s fabulous news @Tiredbutdetermined, very happy for you!4
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Wow - that's amazing. So thrilled for you!!! Make sure you sort any legals out first though...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Hopefully now we can move ahead with the financial agreement and divorce. However, my solicitor is on holiday until next week
Total Debt May 21 £20,490.44 DEBT FREE DATE 29/7/22
Mortgage balance May 21 £177,096.19. Now £143,588.36
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 = £3275.885 -
I am so happy for you though. I read so many diaries it's sometimes hard to remember the details. The finance consent order if you can agree it between you - and I know that's a big if - doesn't have to take that long. It's a huge boost once it goes through though - and now you have a mortgage offer that will really help simplify things. I was really nervous about whether I'd get a mortgage offer in time. I submitted my finance consent order earlier in the process than you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Congratulations and well done!3
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