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Determined to take the reins of my life.

3 replies

Susa1 · 14/01/2025 20:42

I have had a rough few years and feel like I am starting over again financially well I am. Will quickly go over it. I was a single parent working ft and my mum offered me to rent her house off her said when I was able to I was to buy her house so me and the kids had stability. I was over the moon we moved in and made it our own paying the mortgage every month which has always been high as my mum took all the equity out of the house when she let me move in so the mortgage repayments have been hight. I moved in here 2014 and was in the process of buying it for £100,000 just when Covid and lockdown hit so it went on hold then my job was uncertain and when I did get back to work it was uncertain hours so mum said just wait with the house till your hours are sorted which I did she said I know that payments are but your bring the mortgage down to buy so all worth it. Then my brothers marriage ended and he was left in debt and my mum then back tracks and tell me if I want to buy the house has be at market value now as she is giving my brother money from the house and she wants more money. He owns his house and hasn’t gave up his lifestyle 4 holidays a year etc yet i have worked hard to keep this house and added up that I’ve paid £74k to the mortgage yet now has decided to sell and is making plans while I am still living here to do alterations and put things in here to sell while I am here with no where else to go as I was lied to and soon as I’ve built up the equity in the house it’s getting sold. Sorry for the long post I just wish I had somewhere to go and leave this house then they can pay the mortgage while they try sell it just feels so unfair. I had to leave my job and my little one is showing signs of autism and needs me more and I didn’t have the childcare as my mum walks my brothers dog and said she won’t stop doing that to help. I’ve now found a part time job and hate that I have rely on her for that as she casts it up saying you couldn’t work without me etc this year I am determined to take control back of my life with a house. They also put the mortgage payments up from £650 to £900.

OP posts:
FigusCarica · 14/01/2025 20:48

It all sounds quite unfair OP.
It's good that you are determined to take control of your situation. Do not share financial information with your mother anymore and get yourself out of this cycle of broken promises and moving the goalposts, whatever it takes. You've got this.

Susa1 · 14/01/2025 20:58

FigusCarica · 14/01/2025 20:48

It all sounds quite unfair OP.
It's good that you are determined to take control of your situation. Do not share financial information with your mother anymore and get yourself out of this cycle of broken promises and moving the goalposts, whatever it takes. You've got this.

Thank you yes your right I’ve learned that the hard way x

OP posts:
FigusCarica · 14/01/2025 22:11

You have. Don't let it go to waste. Keep your cards close to your heart and look after yourself. Keep focusing on your end goal.
I was wondering if you have a contract since you are paying rent? Are you paying market rates?

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