sarahevie's single quest to mortgage freedom

sarahevie1 · 6 December 2015 at 4:16PM

debtfreeoneday wrote: »

I'm undecided totally about food providers at the minute.. I don't have every choice due to rural living and will probably end up with Mr T again..

Great news about the house, how are things with the ex?

I've never done Mr T there's not one near me and always find it looks expensive if I'm in another town. There's a Mr T in bradford that is like something I've never seen with a huge section of Asian produce like 10litre drums of oil, 30kg of rice (its in packs as big as builder's sand) etc.

sarahevie1 · 7 December 2015 at 11:17PM

After swimming took the girls to the supermarket to choose their tea. They decided on homemade pizza with simple cheese and homemade tomato base, followed by Chocolate crispy buns.

We also made marshmallow snowmen, very simple, using a large chocolate button and small marashmallow for the hat, two large marshmallows for the body and an edible red lace for the scarf, all attached to a cocktail stick. Lots of fun.

jeanangeo · 8 December 2015 at 12:08AM

Hi sarahevie,

I'm new and have been following your thread with interest. I saw your signature and just wanted to say that if you become mortgage free by 35 you will be a hero to me. I'm 36 and am only just starting my journey so you just seem totally amazing to me.

Nice to meet you

jeanangeo

sarahevie1 · 8 December 2015 at 6:22PM

jeanangeo wrote: »

Hi sarahevie,

I'm new and have been following your thread with interest. I saw your signature and just wanted to say that if you become mortgage free by 35 you will be a hero to me. I'm 36 and am only just starting my journey so you just seem totally amazing to me.

Nice to meet you

jeanangeo

Lovely to meet you jeanangeo please come and play:)

I'm unsure about 35 to be honest, I have a pretty limited income and no extra time to do any more hours. I'm not sure I could hack another lodger either - but who knows.

I'll keep plodding though and definitely should be MF by 40, which I'd be pleased with. When I started with an aim for MF by 35, I had the ex and didn't want to deviate from the goal but you have to be realistic when your a single mum of three.

debtfreeoneday · 8 December 2015 at 9:08PM

Sorry to hear things are a little testing right now, lovely to hear your girls are thinking of others.. the snowmen sound a lot of fun as well!

sarahevie1 · 8 December 2015 at 10:58PM

Today I completed my remortgage, so my house is now mine (well Natwest owns about 20% but we'll ignore that for today.)

It's been a long road to this, as started trying to remortgage back in April, really didn't think anyone would ever give me a loan. Then there's been problems with the title on the house, getting ex off the deeds, survey nonsense.

Since I employed a specialist broker at the end of August it has gone quicker, mortgage offer 18.9 - and completed today 8.12 - so just less than three months.

I'm awaiting the letter through the post with my new mortgage amount but with broker figures, solicitor fees added it's approximately £56870.

Here's to clearing it asap:beer:

Ali-OK · 8 December 2015 at 11:46PM

Congratulations and well done, what a road it's been to get there and all wrapped up in time for a fresh new year :T

Admire how you handle and juggle everything, hope it's a smoother path going forward

Your snowmen sound great, best I've managed for festive treat for DS is squirty cream on hot choc with some mini marshmallows on top. I must be the least creative Mum ever

jeanangeo · 9 December 2015 at 12:43AM

MF by 40 is also very amazing

even more so as a parent and a single mum on top.

Congratulations on the remortgage especially as it seems things have been difficult

. That must be a major weight off your mind.

sarahevie1 · 9 December 2015 at 11:50PM

It's been a while whilst saving up to pay off ex, reduce the mortgage to put it into my name etc, however today I've had a play with the mortgage calculator.

My deal is a 3 year fix at 2.54%, if I overpay by £500 a month I'll be MF in 6 years. This is my aim!

beanielou · 10 December 2015 at 7:05AM

6 years it is then. &#55357;&#56842;If anyone can do it you can.

sarahevie's single quest to mortgage freedom - Page 34

MSE Highlights 13/4

sarahevie's single quest to mortgage freedom

Replies

Quick links