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My 2 year battle to try to keep our home
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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.
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The valuation shows about £11,500 equity in the house but I have paid £14,500 in since he left so I don’t think I will need to pay anything out but I just get the sense that this is going to turn into yet another round of pointless back and forth that will just serve to increase the huge solicitors bills.
I wish I had gone with my instincts and changed solicitors or represented myself. I sent an update on my mortgage/house costs to date to my solicitor and asked that we look at what our next step should be. Her response was to do nothing and give the other side a week or so to make their move. My mortgage offer expires in July so I feel like playing a waiting game compromises that
On the positive side, it is half term and I feel utterly exhausted but hopefully I can have some time this week to bounce back.
I feel like it was financially a daft move but I have joined the council gym so I am hoping to get a bit of balance back in my life in between working like a nutter to make ends meet and build the kinetic energy to soar once I am free of the ex
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 -
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?3 -
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 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 = £3275.883 -
Whoop, payday at last!
I need to actually start sticking to a realistic budget this month. I think I have been too unrealistically strict with myself for the last few months and ended up dipping into my savings in May
I need to buy a teacher planner this month. I end up buying quite expensive ones but I have to justify the cost of buying my own rather than using the ones school buy as I plan more efficiently and save time with my pretty ones!
Today’s plan is to blast the marking but also try to get a little bit of balance. The Exam marking Is very frustrating as the papers don’t seem to be uploaded so there isn’t enough marking there to just power through but I am very obsessive over hitting deadlines so end up spending all day refreshing and waiting for marking to appear. Today I need to be better at walking away and going to do housework if there isn’t enough marking available. I need to hit 80% complete by tomorrow so I would like to exceed that today,
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 -
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 = £3275.884 -
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. 172 -
Tiredbutdetermined 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 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 xAll 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.2 -
elsien said:Tiredbutdetermined 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 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
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 = £3275.882 -
Honeysucklelou2 said: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 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 swimmingif 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 = £3275.884
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