My 2 year battle to try to keep our home

Suffolk_lass

Tiredbutdetermined said:

Thank you, I just feel like my story is one of those books where you think you are nearly at the end but then you turn over and there is a new chapter waiting for you!

I have just dropped my daughter at gymnastics and am playing petrol tank chicken with myself! I have 20miles left in the tank so need to fill up but am hoping petrol prices will drop again so waiting might save me some pennies

We played that game with oil prices. Clearly it is my input that has resulted in prices falling. Our heating oil alarm was flashing for over a month. We cold-washed clothes, turned taps to cold and off between wet and rinse in the shower, and turned the heating off and made it through until the end of April, only for prices to increase instead of dropping. So I bought half a tank, and lo and behold, it went up again. So I bought the other half, only to watch it drop gradually (like a feather) ever since.

Congratulations on your mortgage going through and being so diligent. I think you are already in the MFiT challenge on here -  it's a lovely challenge over three years and became the driver for us paying ours off.

Here is to raising a glass when the final, final absolute is signed off

Tiredbutdetermined

Suffolk_lass said:

Tiredbutdetermined said:

Thank you, I just feel like my story is one of those books where you think you are nearly at the end but then you turn over and there is a new chapter waiting for you!

I have just dropped my daughter at gymnastics and am playing petrol tank chicken with myself! I have 20miles left in the tank so need to fill up but am hoping petrol prices will drop again so waiting might save me some pennies

We played that game with oil prices. Clearly it is my input that has resulted in prices falling. Our heating oil alarm was flashing for over a month. We cold-washed clothes, turned taps to cold and off between wet and rinse in the shower, and turned the heating off and made it through until the end of April, only for prices to increase instead of dropping. So I bought half a tank, and lo and behold, it went up again. So I bought the other half, only to watch it drop gradually (like a feather) ever since.

Congratulations on your mortgage going through and being so diligent. I think you are already in the MFiT challenge on here -  it's a lovely challenge over three years and became the driver for us paying ours off.

Here is to raising a glass when the final, final absolute is signed off

The increase in heating oil is horrific isn’t it? I fixed my gas and electric at a good point but am terrified of my fixed price coming to an end.
I am still playing petrol chicken and am down to 10miles so need to bite the bullet. It is lovely being a teacher on summer holidays but there is a petrol station on the way to school that is 4miles away that is 4p per litre cheaper than the tesco just up the road. I need to get a grip and remind myself that driving 4 miles to save £1.50 does not makes sense!


I saw the MFiT challenge before Christmas and thought it looked great but I wasn’t ready for it as I hadn’t even applied for a proper mortgage at that point, just failed to get the joint mortgage in my sole name. However, the challenge starting on 25/1/22 and my mortgage being approved on the same day just seemed like a hint from the mse gods that I should join the challenge. Update 1 was out of my control as I was stuck in the joint mortgage but the ‘lump sum payment’ should have been a bit of damage limitation for update 2. All the rest of the updates are 100% in my control now so I am hopeful I can thrash my target of paying off £25,400 over the 3 years.



I am having a chilled day and catching up on a few diaries today but also need to stop procrastinating and update my budget planner.

Floss

Tiredbutdetermined said:

Floss said:

Can I just ask how you got your decree absolute if your financial agreement has not yet been signed off by the court? I couldn't apply for mine until I had that stamped document (albeit all electronically).

My solicitor made a mistake! She rang me totally mortified as she had stated in documentation that she wouldn’t submit the decree absolute until everything had gone through. However, it wasn’t a huge deal for me as I had already changed my death in service to go to the kids not him and the life insurance attached to the mortgage has masses of errors including my date of birth so was highly unlikely to have ever paid out if the worst happened anyway!

I think you need to check with the court handling your divorce: - this is a screenshot off WWW.Gov.uk :

Tiredbutdetermined

Hopefully, as the solicitor made the mistake she will sort it out if there are any issues.

I don’t know if this is less of an issue as the financial remedy order has been submitted?

savingholmes

I hope it works out for you but your solicitor made a huge error. Hopefully if there are repercussions she will be liable for them 

Tiredbutdetermined

@savingholmes hopefully it will all go smoothly but knowing my luck it will be more delay and cost!
I feel like an utter stalker but I am plodding through your MFW diary at the moment

ladyholly

If any additional cost is accrued due to your solicitors error you should not be liable for it. If you are charged I would suggest the complaints procedure.

Suffolk_lass

Not divorce related, but after we bought the upstairs flat for the downstairs flat we lived in and re-converted it to a house, our solicitors wrote to tell us there was a second mortgage on the upstairs flat that had not been identified (searches not done properly) or redeemed. They used their third party insurance to pay it off and pursued the money from the seller through some means invisible to me

Floss

Tiredbutdetermined said:

Hopefully, as the solicitor made the mistake she will sort it out if there are any issues.

I don’t know if this is less of an issue as the financial remedy order has been submitted?

No, as it is not yet sealed by the court so is not a legally binding agreement.

If there are pension assets to be transferred that cannot be done after decree absolute.

Tiredbutdetermined

I let him keep his pension so there is no pension sharing order. Hopefully all will be fine.
Can you remember how long it took for your order to be finalised after submission @Floss?


Had a bit of a bonus morning. My tutoring cancelled last week due to the weather so forgot we had rearranged to this morning so the money is a bit of a bonus and means I have less to scrape together for my hairdressers appointment on Thursday. My hair still feels like an extravagance but I have started stretching my appointments out to every 11weeks!

We had a load of eggs near their dates so the kids are bankrupting me with the oven making meringues. I bought a ninja last week so that is busy dehydrating banana chips too.

I still haven’t updated my budget planner so that is on the to do list for today.

I walked to tutoring this morning as I am still playing petrol chicken.