Is there a low spend May thread yet?

[IncessantNameChanger]

Are we doing a no spend / minimal spend May thread?

I have been trying to remortgage after a fixed 5 year deal ended in October and this remortgage has been ongoing since January! We are utterly screwed financially.

The broker ( a massive company) have assured us that they have everything they need now. But it's been 4 months now and waiting to see if they will honour the quoted rate. If they won't we might need to rethink what to do next.

Anyway I'm going to write down every single penny I spend this month and try to work out from scratch how much we are shortt each month until this goes through. So fed up. Had a survey and hard credit search weeks ago.

Not even sure this product will work for us if the rate has gone up.

Plus I was offered a job in March that the employer hasn't even asked for references for yet! Argh!

That sounds stressful @IncessantNameChanger I'm sorry that things are so tough right now.
I'm doing a low spend may so happy to cheer you along!
Could you ask the company that has offered you the job if they have a timescale in mind?

Thanks. It's a job working with children and they have only just done my DBS and asked for my last reference of working in a school which was 26 years ago. Absolutely nothing will happen until I try to track down a reference from a quarter of a century ago. I'm not confident I will be able to locate a reference that old. So nope, no start date and I doubt it would even be sorted in May.

I have been a SAHM / carer for my disabled son for the last 11 years since he started special school. This job would be ideal to see if working is feasible. But at this rate I might have to try go back to my former career in IT. Not sure I'd even be wanted back programing now.

I have done a super swish xls today so I can see every penny in and out. To see what I can cut..going to eat everything in my freezer too. It's not looking great.

Have you thought about applying to your current mortgage lender directly and bypassing the broker? That way you avoid the charges and they don't make you jump through hoops to re-mortgage as they already know you and your financial background. Won't hurt to ask for a quote anyway.