📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

My 2 year battle to try to keep our home

Options
1202123252632

Comments

  • stymied
    stymied Posts: 655 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Do you now have to find some money to pay him equity? You could put that extra 50k in his pension back on the table if he keeps on being a prat.
  • stymied
    stymied Posts: 655 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Doing something for yourself (joining the gym) is definitely needed.

    Is it too late to represent yourself now? Could you request to go back to mediation?
  • stymied said:
    Doing something for yourself (joining the gym) is definitely needed.

    Is it too late to represent yourself now? Could you request to go back to mediation?
    I just need to make sure joining the gym translates across to actually going to the gym! ;)

    I don’t actually know how far through the process we are. My ex just tried to use the mediation process to take everything and leave me with nothing so it wasn’t a useful vehicle to try to move forwards.  I just don’t  know if we are towards the end and there is light at the end of the tunnel or if he is about to insist we go back to square 1 and start all over with bank statements and all the blinking paperwork.

    I am driving myself to exhaustion trying to up my income but hopefully it will be worth it soon x

    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 = £3275.88
  • My positive morning isn’t proving particularly easy. There is no SATs marking available at the moment, which is deeply frustrating.

    I have ordered my teacher planner from America, which was £3 cheaper than the UK - whoop!

    I have washed my hair being cheap and using up some grotty old 2in1 shampoo and conditioner. Slightly money saving but my hair is wild now!

    I have had a luxurious breakfast of eggs benedict to use up some stuff. I need to start my diet tomorrow, I went on the scales at the weekend and it just wasn’t a pleasant experience :(

    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 = £3275.88
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,804 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Wow SATS marking...well done. I’m intrigued by the teacher planner! I get one each year that the school buy in, usually a choice of a day to view or a week for each page. Can you not get some of the cost back from the school, on what they would have paid for a school issue one?

    Hope you are able to have some time to relax over half term between the SATS marking and regular prep / reports etc.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • elsien
    elsien Posts: 36,059 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    stymied said:
    Doing something for yourself (joining the gym) is definitely needed.

    Is it too late to represent yourself now? Could you request to go back to mediation?
    I just need to make sure joining the gym translates across to actually going to the gym! ;)

    I don’t actually know how far through the process we are. My ex just tried to use the mediation process to take everything and leave me with nothing so it wasn’t a useful vehicle to try to move forwards.  I just don’t  know if we are towards the end and there is light at the end of the tunnel or if he is about to insist we go back to square 1 and start all over with bank statements and all the blinking paperwork.

    I am driving myself to exhaustion trying to up my income but hopefully it will be worth it soon x
    It's useful in that if is shows he is being unreasonable and you can show that you have properly tried, it's a point in your favour if it gets to court. 
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • elsien said:
    stymied said:
    Doing something for yourself (joining the gym) is definitely needed.

    Is it too late to represent yourself now? Could you request to go back to mediation?
    I just need to make sure joining the gym translates across to actually going to the gym! ;)

    I don’t actually know how far through the process we are. My ex just tried to use the mediation process to take everything and leave me with nothing so it wasn’t a useful vehicle to try to move forwards.  I just don’t  know if we are towards the end and there is light at the end of the tunnel or if he is about to insist we go back to square 1 and start all over with bank statements and all the blinking paperwork.

    I am driving myself to exhaustion trying to up my income but hopefully it will be worth it soon x
    It's useful in that if is shows he is being unreasonable and you can show that you have properly tried, it's a point in your favour if it gets to court. 
    Good point. I can print all his rants via the solicitor demanding I take him off the mortgage by acquiring my own mortgage, which were rapidly followed by refusal to sign the house over when I did get my own mortgage sorted.

    My life is going to be blissfully simplistic when all this is over!

    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 = £3275.88
  • Wow SATS marking...well done. I’m intrigued by the teacher planner! I get one each year that the school buy in, usually a choice of a day to view or a week for each page. Can you not get some of the cost back from the school, on what they would have paid for a school issue one?

    Hope you are able to have some time to relax over half term between the SATS marking and regular prep / reports etc.
    I did try asking but the finance officer wasn’t even vaguely convinced!
    I love a week to 2 pages so I can see where I am going with a series of lessons. I did try economising and just using the school ones one year but I just got myself in a mess and couldn’t cope!
    Mine is a happy planner and I waste hours highlighting and stickering it!

    The SATs marking was due to end on Sunday so I felt like getting ahead was winning back a little of my half term as I am not doing as much tutoring this week but the SATs deadline has been extended by a week as they haven’t had much uploaded to mark so I should get a Saturday off the weekend after next before the GCSE marking starts! I just need to keep swimming :):smiley:  if I can survive it this year to pay for solicitors then I can do it next year to pay towards a holiday/blast the mortgage


    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 = £3275.88
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.