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It's STILL tough and not getting better - so how are we coping?
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Ooh, didn't know that - useful bit of info if we decide to head for the hills as OH has been planning for years!
I have had that prejudice - the estate where my mum lived for 30 years went through reputations over those years from "idyllic" to "like Beirut" and back again - my kids & I were slated for accepting a HA home there, but we loved it.
In the town where I now live, several of our councillors live on the "sink" estates of council / ex-council homes, and in my previous home town a chap who started as a councillor, went onto be come an MP and then an MEP lived 2 roads away from us during the 15-year long "like Beirut" period whilst serving the townsfolk in office.
Saving every single penny.
I will get my caravan
Hester
Never let success go to your head, never let failure go to your heart.
We have been in this house for 11 years so it is no not somewhere I look forward to leaving, let alone dispose of all our junk to move into a smaller house. We would have to look for a private rental as there would be no other option. I don't have a problem with the renting side (we would be retiring in 10 years anyway so would probably have been selling up to fund the retirement) I just feel cheated that we have put so much into our home and then have to leave.
If OH gets a job the relief will be overwelming.
For the record - I've lived in State housing before now - and yes ..it was getting scary to hear of some of the stuff going on. On the other hand - there were some tenants who were trying very hard to "keep on top of the problems" and improve the level of facilities. The area I lived in was such that I wondered whether I should put a different address on job application forms - so that I wouldnt have wrong judgements made about me at the outset. I knew those judgements would be dropped as soon as I started talking ('cos I speaks so proper...) - but I had to "get in the door first" and I do wonder whether the address I had sometimes meant I didn't get that chance in the first place...
Having to have mortgage insurance wasnt something that was "on the horizon" when I bought my house - the, then, DHSS paid all the mortgage interest for however long was necessary if the mortgage-holder lost their job and reputable Building Societies accepted that if they couldnt get the mortgage capital they couldnt get the mortgage capital and they would have to accept it pro tem. I know that things have changed in the years since then....
Will the DWP take over paying at least the interest part of the mortgage once the insurance cover ends? Are there any sort of limits on that now - or would they go on paying it ad infinitum if need be?
It seems such a shame to think of losing your house - and I wonder if there is some way it could be avoided....((take care))