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  • FIRST POST
    • sarahevie1
    • By sarahevie1 10th Apr 15, 12:36 AM
    • 498Posts
    • 2,620Thanks
    sarahevie1
    sarahevie's single quest to mortgage freedom
    • #1
    • 10th Apr 15, 12:36 AM
    sarahevie's single quest to mortgage freedom 10th Apr 15 at 12:36 AM
    I had a diary a while ago but I let it slip, my circumstances have changed massively in the last six months, so I am back aiming for one thing mortgage freedom.

    So about me, single mummy of three beautiful girls. Full time primary school teacher, I also have a Saturday job at a well known supermarket.

    About six months ago oh walked out on me after 12 years, I found myself 30, single and struggling. A few weeks later he was back, and we see each other most days, although he rents a flat in a nearby town. I've had to use literally all my savings to get the joint mortgage into my sole name, 20,000.

    My mum and dad paid oh his equity share of the house 10,000, will have to pay this back. Oh is now in the process of buying his own house, he's asked me to move into it with him, as he never felt like my house was his, although it was in joint names, I'm undecided about moving into ohs new house. All I know for certain is my house is my responsibility and the 58000 mortgage has to go.
Page 32
    • sarahevie1
    • By sarahevie1 15th Mar 18, 11:50 AM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Had a spendy day yesterday for me. Went to costa with a friend 4.60, was very costly as drove 35miles to see her but she is my oldest friend and was able to catch up with two family members at the same time.

    To compensate took the kids for a walk after school. I make the kids walk everywhere to save on petrol but they are all very fit and active. Had swimming and brownies last night for the children. I did an extra 5 hours at job 2.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • beanielou
    • By beanielou 15th Mar 18, 12:07 PM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    You do so well
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • sarahevie1
    • By sarahevie1 16th Mar 18, 9:14 AM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Having an incredibly spend weekend.

    The cinema was fully booked so going bowling instead. (Going to feed my children before we go, as last time I was sucked into snacks and THEN a meal as well.) Two games of bowling on offer is 5 per child, so 15 and then we'll get tea at the lane. Going in a group of , normally would refuse food and drink but the others are all getting it, and like the children to not be too different. They are getting to an age where questions of why don't we spend of XYZ.

    On Saturday I've got a kids birthday party at one of those trampolining places, need to buy a gift but do have cards, wrapping from stash.

    I've also been invited to watch a football match with friends on Saturday, kids really really wanted to go, and I'm on hol from job 2. It's cost 30 for the tickets, my friend insisted on paying the 5 each for the kids. This will be spendy as we will have to pay for the bus over there about 10 plus petrol to get to the bus stop. Then inevitably will need to buy snacks (will take my own, but still cost 5 in picnic stuff no doubt.)

    It's a constant dilemma I face on a low income, I often feel lonely and like I've got no friends, but everytime I socialise it costs so much money. Have been feeling like everyone has larger social circles than me for a while, so trying to make an effort to do more.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • beanielou
    • By beanielou 16th Mar 18, 9:18 AM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    Having an incredibly spend weekend.

    The cinema was fully booked so going bowling instead. (Going to feed my children before we go, as last time I was sucked into snacks and THEN a meal as well.) Two games of bowling on offer is 5 per child, so 15 and then we'll get tea at the lane. Going in a group of , normally would refuse food and drink but the others are all getting it, and like the children to not be too different. They are getting to an age where questions of why don't we spend of XYZ.

    On Saturday I've got a kids birthday party at one of those trampolining places, need to buy a gift but do have cards, wrapping from stash.

    I've also been invited to watch a football match with friends on Saturday, kids really really wanted to go, and I'm on hol from job 2. It's cost 30 for the tickets, my friend insisted on paying the 5 each for the kids. This will be spendy as we will have to pay for the bus over there about 10 plus petrol to get to the bus stop. Then inevitably will need to buy snacks (will take my own, but still cost 5 in picnic stuff no doubt.)

    It's a constant dilemma I face on a low income, I often feel lonely and like I've got no friends, but everytime I socialise it costs so much money. Have been feeling like everyone has larger social circles than me for a while, so trying to make an effort to do more.
    Originally posted by sarahevie1

    I feel your pain.
    So much of keeping up with friends costs money

    Anyway enjoy your weekend.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • beanielou
    • By beanielou 16th Mar 18, 9:20 AM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    On the up side you will have two properties at the end of your journey
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • sarahevie1
    • By sarahevie1 19th Mar 18, 3:42 PM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Had a good weekend, and it wasn't as speedy as it could have been.

    Went with baby group friends on Friday night (24), trampolining with school mums on Saturday morning (4), football Saturday afternoon (30). I was supposed to be doing a pub quiz with work colleagues Sunday evening but this was cancelled due to the snow.

    Get paid in 10 days and I still have 1050 left. Was hoping to save 300 this month but with some utilities, mortgage still to come out, i'm not sure. Really will try for 700.

    In other news my offer on the homes under the hammer style project house was rejected. So looks like I won't be moving anytime soon.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • sarahevie1
    • By sarahevie1 21st Mar 18, 9:08 AM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Going on holiday with the ex in August, he's paying, I organised it all though and we got a very good price. Flying ryanair to Barcelona, then staying 11km out in a small village in the mountains. Doesn't look to be a lot there, but we are close to the metro and the bus stops outside the hotel. The complex itself is quite large, as its a hotel and separate apartment block. We are staying in a two bed apartment, which is usually all we can stay in, as there's five of us. It's cost 396 for accommodation, 550 for flights so can't complain. Kids very excited.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • beanielou
    • By beanielou 21st Mar 18, 6:38 PM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    Rather you then me going with the ex.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • sarahevie1
    • By sarahevie1 21st Mar 18, 9:56 PM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Rather you then me going with the ex.
    Originally posted by beanielou
    I know it's not ideal, but it's free holiday and the kids are looking forward to it. I couldn't afford to go if he wasn't paying.

    Sometimes you have to show forgiveness to move forward, and although I don't like a lot of what he does, I don't like me being bitter either. The girls becoming well adjusted adults has always been my goal throughout everything, I've tried to show them how to live responsibly, I've tried to give them a social conscience, they are very far from being entitled brats, and although I haven't forgotten the 8 weeks where he saw them for 6 hrs in total last summer, I don't want to use it as a stick to beat him with as it's not good for the children. He's been good enough to pay for the holiday, he doesn't need to, so it should be fun.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • beanielou
    • By beanielou 21st Mar 18, 10:08 PM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    It's what works for you.

    I certainly would not have done it.
    We manage fine for birthdays, graduations and whatever & thats ok but hot holidays.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • sarahevie1
    • By sarahevie1 12th Apr 18, 12:12 AM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Just a quick update to keep my running total of money in/out for the year up.

    March
    Spent #1050.
    Earned. #2751.

    Earnings particularly high as I am paid 4 weekly by both my employments and was therefore paid twice in March.

    Savings now at #2200. Feeling more calm about things.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • sarahevie1
    • By sarahevie1 16th Apr 18, 9:50 PM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Overtime and rent excess have bolstered my savings to 4009.00, really pleased to be at 4K, feels a lot more secure.

    Get paid in 11 days and have around 450 left so should be ok. Still mortgage and phone bill to pay, but kids back at school after a spendy half term so should manage.

    We have been trampolining, soft play, climbing, bowling, arts and crafts sessions run by a local theatre group. We have spent 8 days with friends. It has been a great Easter, my favourite time of the year
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • beanielou
    • By beanielou 16th Apr 18, 10:16 PM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    Great result on 4k.
    Glad you enjoyed half term.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • sarahevie1
    • By sarahevie1 17th Apr 18, 2:17 PM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    In my quest to use up things in the freezer, fridge before I buy anything else. I have made bolognaise sauce using 15p yellow stickered turkey mine, frozen sweetcorn, carrots, peas, 3 red onions. I reckon it's cost around #1.50. jar of heinz tomato soup.

    Hope it will do two meals for five people. Tonight we will have it with pasta 32p.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • sarahevie1
    • By sarahevie1 30th Apr 18, 2:50 PM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    I've found a buyer for my house

    It's actually the original buyer, who has found a first time buyer for hers, so that's us. FTB - house 1 - my house. Not bad as far as some chains go.

    Both the houses I like are also empty, anyway not focusing on where I'm going yet, just would like to focus on actually selling my house.

    Just booked to go away with a friend and her kids and my kids in August so something to look forward to.

    As this house move has been so long in coming, I'd actually gone off the idea, but anyway it will be nice to be MF in a bigger house.

    I can't complain but will miss this area, since I've been working part time, I've actually grown to love it again as been able to spend a lot more time within the community and with friends.

    Not telling the kids we've sold the house just yet as we've sold it three times before and it is very unsettling for them.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • gallygirl
    • By gallygirl 30th Apr 18, 8:18 PM
    • 16,586 Posts
    • 109,529 Thanks
    gallygirl
    Great news
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = 0
    "Do what others won't early in life so you can do what others can't later in life"
    • beanielou
    • By beanielou 30th Apr 18, 10:17 PM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    Good news
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • sarahevie1
    • By sarahevie1 2nd May 18, 11:07 AM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Thanks all.

    So onwards and upwards. Well savings I am happy to report are now at the $5000 level, so that's a good start. I know they will deplete with the house move, a very wise person said they get twitchy below 4000 so I'm pleased with that.

    This months spends.

    Petrol
    138.55

    Train
    5.30

    Water
    36.00

    Phone/Mobile/Broadband
    48.01

    Council Tax
    121.17

    Gas/Electric
    77

    Mortgage
    136.06

    Presents
    17.05

    Clubs
    17

    Cash
    150 (This will be a lot of the girls clubs. They currently do swimming, acro, gymnastics, brownies, multi sports, mod, tap, show kids between them. Their clubs are important to me as I did no clubs as a child.)

    Food
    277.73

    Clothes
    30

    Social
    119.40 (Largely half term, but we had a blast)

    Wage
    Job 1 - 933.33
    Job 2 -523.11
    CB -192.40
    Maintenance- 450

    Total spends 1173.27
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • sarahevie1
    • By sarahevie1 2nd May 18, 11:21 AM
    • 498 Posts
    • 2,620 Thanks
    sarahevie1
    Just to make it easier to keep track of.

    April

    Money earned 2098.84
    Money spent 1173.27

    Year to date

    Money earned 7151.03
    Money spent 4171.99

    The extra 2000 in savings has come from surplus rent. Some of it will be needed to finalise my tax payments from 2017/18 as I still owe 460 by Jan 2019. It was wishful thinking on my part that the money taken from PAYE would cover it, it almost has, just not quite.
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • beanielou
    • By beanielou 2nd May 18, 11:30 AM
    • 53,923 Posts
    • 213,371 Thanks
    beanielou
    Still looking good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
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