Well I know how hard it is been there (ha ha still in it!), We have been married 11 yrs this May and I can tell you its been a struggle financially. My OH was on a measly 8 grand when we got married! But before we got married he forked out and bought a car on finance for me to drive so I could get to see him. It was the worst decision we ever made a 7 grand car and we are still paying for it! The car went years ago and we have had a number since then but it was that first car that got us into trouble in the first place, and know one gave us any sound advise or even recommended we think again and his parents where there when we bought the thing! Pah! Any way we had been renting houses for 10 yrs and I was sick and tired of seeing my hubby's hard earned cash go down the drain into someone elses pocket, we kept looking at houses and seeing how exspensive they were and thinking we are never going to get out of this rut we are in let alone buy our own house, we just can't save up for a deposit
I had no idea that my cousin was a mortgage adviser all these years so when I found out I went straight to her and her and her partner who is also a mortage adviser put us in touch we a very good financial adviser who found us a mortgage! No deposit required! Couldnt believe we finally after all these years where getting on the housing ladder
We found a house large enough to house our large family (6 of us) all in our mortgage budget. But now with the financial crisis hitting we have that to deal with, although we were coming out of our rut we where still suffering from that dam car we bought but thing were easier, now we are going back to how we were, watching every little thing we buy buying value food at Tesco...mmm yum Not!cringing when the back statements come through 'oh help we are in the red again' is there no end to the missery?
I know how hard it is to give an animal up to we had to give our dog up when we moved as we could not take her with us (no dogs a loud) Its the worst thing ever but you never forget them and believe me you will come out of this tough time and not before to long you will be able to get back to how you were and start again, we have been going through it for years and we move forward and then back and then forward again and so on, we have grown used to it. Ha and guess what, our house is now worth less than what our mortgage is, now thats just not fair! we only bought it a year ago
All I can say is at least we can heat our home and put food on the table oh and of course feed my mice and dog and hamster and Rat! Well mind you I think the heating system looks like it may pack it in any time, oh for goodness sake more money to spend that we dont have, you know what I think its best to laugh :lol: :lol: :lol:
