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My 2 year battle to try to keep our home

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  • My son had a hospital appointment this morning so £3 on parking, saved on our traditional Costa whilst waiting for the eye drops to work by going for booster whilst I was there. They were lovely so I managed to convince my daughter to come back with me for hers (she had a bad reaction to her HPV so has been too scared). Passed M&S in the hospital on the way out so spent £7.25 on reduced goodies -oops! However the car park wasn’t working so avoided the second £3 parking charge.

    Then got home to a letter from an insurance company who have been utterly slow and unpleasant regarding my dad’s death with a £175 cheque by way of apology. I like that style of apology! It is me that has dealt with everything after my dad dying but my brother and I are joint next of kin. We would share any proceeds from his accounts but I don’t know if the £175 goes in with that or not as it isn’t a payout but an apology for the way I have been dealt with. He hasn’t done any of the calls,paperwork or arrangements.

    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
  • Hello there TBD 🙂  I'd say - if the money is an apology for the way you've been treated and you're the one who put all the work in, the money's yours.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • binao
    binao Posts: 666 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    My son had a hospital appointment this morning so £3 on parking, saved on our traditional Costa whilst waiting for the eye drops to work by going for booster whilst I was there. They were lovely so I managed to convince my daughter to come back with me for hers (she had a bad reaction to her HPV so has been too scared). Passed M&S in the hospital on the way out so spent £7.25 on reduced goodies -oops! However the car park wasn’t working so avoided the second £3 parking charge.

    Then got home to a letter from an insurance company who have been utterly slow and unpleasant regarding my dad’s death with a £175 cheque by way of apology. I like that style of apology! It is me that has dealt with everything after my dad dying but my brother and I are joint next of kin. We would share any proceeds from his accounts but I don’t know if the £175 goes in with that or not as it isn’t a payout but an apology for the way I have been dealt with. He hasn’t done any of the calls,paperwork or arrangements.
    That's good news.

    You need to talk to your brother. What ever he says will avoid problems later on.

    £87.50 is welcome but small within  the big picture. Your feelings nonetheless sound justified.

    Enjoy your hols.
  • I've been reading through your diary, have subscribed and am sending my good wishes on your MSE journey. You've had an awful time what with your selfish ex and appalling solicitor - I do hope things improve  for you and your family and 2022 turns out to be a better and positive year for you. X
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • binao said:
    My son had a hospital appointment this morning so £3 on parking, saved on our traditional Costa whilst waiting for the eye drops to work by going for booster whilst I was there. They were lovely so I managed to convince my daughter to come back with me for hers (she had a bad reaction to her HPV so has been too scared). Passed M&S in the hospital on the way out so spent £7.25 on reduced goodies -oops! However the car park wasn’t working so avoided the second £3 parking charge.

    Then got home to a letter from an insurance company who have been utterly slow and unpleasant regarding my dad’s death with a £175 cheque by way of apology. I like that style of apology! It is me that has dealt with everything after my dad dying but my brother and I are joint next of kin. We would share any proceeds from his accounts but I don’t know if the £175 goes in with that or not as it isn’t a payout but an apology for the way I have been dealt with. He hasn’t done any of the calls,paperwork or arrangements.
    That's good news.

    You need to talk to your brother. What ever he says will avoid problems later on.

    £87.50 is welcome but small within  the big picture. Your feelings nonetheless sound justified.

    Enjoy your hols.
    I agree with this.  I’d talk to your brother just to avoid any arguments in the future. 

    You are doing brilliantly!! Keep going! 
  • So much admiration for the way you are dealing with everything.
    If you told me and I was your brother, I would say, 'you have it sis, you earned 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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Oops - yes, maybe give your brother the chance to do the right thing 🤭 I think I'm looking at the situation through the lens of my own recent experiences with my brother-in-law - he'd have claimed all the money for himself without lifting a finger 😲  You know the personalities and relationships involved - let that be your guide.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Rang my mum just as we set off on our road trip and told her about the £175.
    my brother then text and said the money is mine and he didn’t know why I would think otherwise 🥰
    Have just paid the £175 off my credit card so delighted that moves my debt free date down by a month. 
    Feeling super positive 

    Good news!  And well done to your brother for doing the right thing.  He sounds like a good'un.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
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