sarahevie's single quest to mortgage freedom

sarahevie1 · 2 June 2015 at 10:37PM

Plodding on, as ever, really busy at school. End of year reports, assessments.

Lodger a bit up and down. Adult company quite nice, sharing home not so much. Feel like my parenting is being judged. They're quite laid back, I'm really not. My kids have set bedtimes, mealtimes, homework, reading etc.

Major reshuffle at work after the 31st may deadline for teachers to hand in their notice. Each year group has a new teacher in. Feel positive about next year though!

Halifax won't let me have the mortgage in my name, as I failed affordability, so looking at options. On the plus side £57,000 to go. Started with £143,000 7.5 years ago so heading in the right direction albeit slowly.

sarahevie1 · 7 June 2015 at 8:36PM

Having a pretty crap weekend - had a crash in my car, other driver was overtaking me on the inside. Unsure who is going to be blamed. I've 11 years no claims.

Keep thinking can this year get any worse.

beanielou · 10 June 2015 at 8:09PM

Illegal surely to overtake on inside?

sarahevie1 · 28 July 2015 at 3:49PM

This year seems to be on the up. Lodger OK, not sure if they are looking at moving on as noticed some brochures the other day. Enjoying the money whilst it lasts.

Have let my house from 1st sept, one of the previous group staying over summer but 'lost' around £800 for Aug with only letting it to one. Anyhow keeps insurance valid, saves me council tax bill, water rates etc so better than nothing,

Have a mortgage broker coming round next week as still can't get ex off the mortgage. Feel sorry for ex as he's missed out on his new house as they won't let him off the joint mortgage.

sarahevie1 · 31 July 2015 at 9:39PM

Was trying to keep a spending diary for last month. Didn't manage it, but as I only have one current account. I've analysed my bank statement, its not pretty.

Incomings £ 1299 rent (student house, lodger.)
Saturday job £94.04
Child benefit £192.40
Teaching salary £ 1380.55
In £2773.59

Outgoings petroleum £44.15
Childcare £150, £433.33, £506.67
Mortgage on btl £699.73
Taxis £42
Dance classes £40
Tap shoes £10
Supermarket £250
Council tax £103
Landline £41.17
Pay and go £10
Ni contributions £145.75
Buildings insurance £121.06 (annual.
Pizza hut £27,42
Water £43
Miscellaneous £190 cash out of bank so not attributed. Some will be personal spends.
Mortgage £520
Out: £2890.61

Over what I've brought in. This is pretty typical month. Tax credits on hold whilst I submit last years tax return for btl. Managing OK without them, lodger essential to this.☺

sarahevie1 · 1 August 2015 at 9:28PM

Mse today
Went straight home after dancing, usually end up in the cafe.
No spend at work, I work in a supermarket so lunch spends, grabbing extra shopping after work is tough.
Left over for tea in a wrap.
Kids snacks sugar snap peas, carrots, apple, toast.

sarahevie1 · 2 August 2015 at 5:45PM

Mse today
Bought a pack of usbourne books from the book people, works it at £1 per book. With 7 cards for £1 from card factory and wrapping paper today's party gift cost £1.65. The same books cost £4.99 in water stones so looks a good gift.

Treated girls to cafe for tea as kids eat free. Signage said everyday. Well it is in fact monday to Friday. Argued my case and got free meal voucher. Had to pay in full today £16 so not mse but nice to have a freebie for a nsd another time.

Fitness walked 6 miles round trip to local tarn saving petrol spend.

All in all great day 7 hours entertainment including party, park, tarn, walking.

sarahevie1 · 3 August 2015 at 7:25PM

Mse today
Took girls to a free community event. Walked 2 miles to save on getting two buses. Bus cost £6.20, so not as mse.

Swimming, met a friend in the park. Free activities.

Top up shop £9
Some yellow stickered items amongst. Warburton danish 20p, polish meatballs 20p, cheese 20p, panini 20p, aero yoghurts 20p.

Proud mummy moment got to checkout to pay my six year old said it'll be £9, without being asked to she had read the labels and added it up whilst going round.

sarahevie1 · 4 August 2015 at 12:37AM

Lodger confirmed plans to move on. They are looking at buying in the local area so realistically will probably be here another few months.

Mixed feelings, I like the company but would like my bedroom back as currently I share with my 6 and 5 year olds.

Have seen an ad locally for a pgce student wanting a room next term whilst they complete a placement at a local school. A Mon to Fri let as they will return to their family home on the other side of the city at weekends. Was tempted but don't really have space would mean putting dd3 in with us. So four to a room.

Also concerned I'd end up doing the students marking/ planning with me being a teacher.

sarahevie1 · 4 August 2015 at 5:35PM

No spend day yay!

Went to pick my car up from garage. 5 mi le trek. Dd2 moaned most of the way. Felt a bit guilty as she had a blister on her feet. Didnt realise this til we got home. Couldn't justify spending over £6 on bus fare.

Car needed new brake pads, disc pads £190. But all fixed now.

Mortgage advisor coming round later, hopefully he will be able to rid ex from the mortgage. As ex has lost the previous house he was buying, he's asked me to go house hunting with him. I've said no, its not my concern. He wants me to choose where I feel comfortable with the girls staying. Again he's an adult, he can choose something sensible.

sarahevie's single quest to mortgage freedom

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