Hi guys,
Bad news my wife didn't pass her part three driving instructors test this morning, gutted, she got a 3/3 and you need a 4/4 to pass, much harder than she had bargained for. Oh well one more try and then Jane will have to start from part one again, a big blow to our future plans but lets be positive for next time.
I have to admit I bottled it agin in picking up the phone to speak to someone (I tried all day but couldn't dial the number) but I have emailed my details to Melanie so hoping to talk to her real soon and get things started. We have an offer on the house £135,000, £5,000 below asking, which is dissapointing but it will give a chunk of money to offer, hope it will be enough to sort things out. We checked the Northern Rock loan today and we owe £6,700 on it, which is less than we thought, also I didn't realise but the loan is just in Jane's name not joint, don't know if that will make any difference or not. So the biggest debt is the credit cards, which are in my name £46k when I added them up today, really scary.
Shame we have to sell our home, but I doubt very much based on my income that we would ever get a remortgage, and at least this way it will give us a chunk to offer up front. Not sure where we go then, just hope we will be able to rent ok, other thing worrying me now is if we have to hand over all the money from the sale of the house how will I be able to raise the money for a deposit for a rented house, also they will want money for rent in advance. I guess we will have to cross that bridge as and when we get to it. Speak again soon, thanks for listening.
All the best to you all
Cheers
Mike
