Mortgage free mayhem

mathilde

Thank you. It's been a shock for everyone. She was a lovely young woman. 

mathilde

Lovely spring afternoon. 

Mortgage is at £70,928. Getting close to 50% equity in my home!

Savings pot at £2,829.  If all goes well, we'll be at £3,000 next month. 

LadyWithAPlan

Well done on hitting nearly 50% equity
My condolences on your friends daughter - always such a shock when people are younger and so hard for the parents to move forward 

beanielou

Great totals. 

mathilde

Thank you. My friend is being supported by her son. X  It's tough.

Thanks for following the financial journey. I never thought I'd own my own home. I might even retire some day. 

debtfreewannabe321

Congratulations on the almost 50% equity and the splits! It's been years since I could do them, I think it would break me now. The EF will get there at least you've had the cash to pay for all the things you've needed to buy, i call that a win.

I'm so very sorry for your loss, always so hard when someone is young 💔 

mathilde

I just found out that Guinness miscalculated my service charge in 2023. Their mistake, clearly.  But they say I now owe them £4000, to be paid immediately. Just found out this afternoon. I rang them to make sure it wasn't  scam letter.

I can't sell my car because I need it for my second job. I have £3050 in savings (yay me, met the goal this month) and now that's gone.  No holiday or visit to family this year because couldn't afford it. Called charities to take the cats, they wont, and were very sniffy about it, saying I should never have got cats if i couldnt afford them. Credit Card for the remaining £1000 I guess? I don't have time for a third job.

beanielou

If you don’t have the money to pay it in one amount then I would go back to them and ask if you can pay part of it and then pay the rest of the money in instalments. 

Very judgmental of the cat rescue. 

debtfreewannabe321

No holiday here either as can't afford it so decided to do a few retreats instead.
Sorry about the extra charges 😕 and the cat charity that response really wasn't charitable was it 🫤! 

mathilde

Thanks for te supportive comments.

It makes a big difference to sleep on things. I woke up realising that this is a perfect example of "lack of planning on your part does not constitute an emergency on my part".

I'm not touching my emergency fund because this isn't an emergency. 

I've lodged a complaint and will get a response within ten days, so we will see whether any new info comes out. But bottom line is I'm willing to pay £50 per month towards it and no more. Next time they should plan better.