But I guess you could say I’ve learnt my lesson!
This morning we did food shopping and as a sort of final blow out before I grasped the nettle finances wise we went to Toys R Us and I bought them a few bits each – in for a penny eh!
Home for a late lunch and the scariness of the phonecall I should have made months ago really was getting to me so I got out all the credit card statements, all the loan agreements and a calculator – Fuck!
Rang the bank and have done the processing of the application to extend the mortgage to cover paying everything off and extend it back up to full mortgage term of 25 years. Was so scared by the amount it totalled up to that I didn’t even think about adding in the extra money we were thinking of borrowing to do more work to the house – if they agree to this then we will have to sit tight for a while longer and see how it goes from there. If they don’t agree then I’m not actually sure what to do next really – they should have a decision for me by Friday. I’d love to say I feel better for having taken the first step to being sensible with money but actually I just feel sick 🙁
Right off to email Miranda to drum up some more work for me – kids are happily playing, Tarly is being a doctor and ‘reading’ Mr Men books simultaneously (multi tasking toddler girl 🙂 ) and Davies is in his bedroom building an elaborate plastic train track (he’s been playing with lego and k’nex all morning so clearly has engineering promise which I am ignoring the chance to foster and hot house) while I intend to read Heat magazine and try to pretend it’s not all hanging over my head until Friday…
hugs for budgeting.
fingers crossed for bank
Comment by HelenJ — 03 May 2005 @ 8:50 pm
Hope it goes ahead OK Nic, you clearly have the same attitude to finances as I have, I keep finding myself with scary phone calls to make too, and I hate it. Still, we’re still here, can’t be too bad.
Comment by Ali — 03 May 2005 @ 8:58 pm