The Change from the beginning

The big day looms.  Our household of four is soon to become 5.

NOOO I’m NOT having another baby (yet – still have to persuade OH!)

Our friend is moving in with us.

Today I’m going to talk about WHY.  And the WHY is The Big Change.

2011 has turned out to be the Year of Change for our little group of friends, but The Change is part of a chain reaction which I actually kicked off 5 years ago.

When I met OH and we were working in the same place (oh yeah…I will have to tell you about this too) he was in the process of buying a house with his best friend S.  His best friend is in the army and was getting posted out across the world regularly.  When he came home, he would stay with OH’s mum and dad (where OH was also living) so they decided it was time they bought a house.  The arrangement suited them as it meant that OH could get on the property ladder and S would have somewhere to go when he came home.

I didn’t live with OH and S for a long time.  I moved in, and then moved back out again after a fight with S (he actually asked me to come back – not OH).  they paid the mortgage and I rented a room from them.  It worked well…until I got my first blue line on the pee test.

It wasn’t really practical for us to continue living the way we were.  The house (we’ll call it AR) isn’t really the biggest house.  It had three bedrooms, but it was tiny.  It had a downstairs bathroom, which I hated.  Laminate flooring throughout.  It was basically a bachelor pad,  Fine for 2 men and a tom boy, but not so great for babies.  OH decided we would move.

We looked into the possibility of buying AR but quickly discounted that idea for the reasons about and many others. Then we looked at the possibility of S buying OH out and us moving.  The housing market had just crashed, which was highly unfortunate for this part of the transaction as it meant that there was no equity in the house and banks were lending much less.  OH was unable to remove his name from the mortgage as the bank would not let S take on the entire outstanding amount due to a shortfall of about £4000.  He also had to walk away from his initial investment of £10k.

It was a hard decision to make. even though S was paying the mortgage in its entirety after this, it was always a worry as once your name is on the mortgage, whether you actually physically pay for it or not is irrelevant.  If the payments go into arrears, it’s your neck on the line.  And there is no way to write your way out of this.  even if your solicitor writes you a letter to say you are not paying anything towards the mortgage, if it goes to court, you are still liable.  We asked.  It’s shit and was very scary for us as we were taking on another mortgage and couldn’t afford two if something went wrong.

As S didn’t want AR to be empty when he was posted, he asked one of our mutual friends N to move in.

I like N.  He’s awesome.  He’s a good guy.

Life carried on like this for a while and then S met L.

L is originally from Canada.  She’s a lovely, bubbly, very cute girl.  She fit straight in with  our group.  Funny, sweet and good for S, it wasn’t long before she moved in with them.  Then, around 3 months ago, S gets told he is getting posted to Italy.

He didn’t want to leave L here but the only way for them to go together was for them to be married. Cue The Wedding.

Now, N isn’t paying a massive amount of rent to S.  Afterall, he only has one room in the hose.  S knew he could get a lot more renting to a family so, after they couldn’t find anyone else to move in with N he is having to move out.  It made me sad to see the rental sign outside the house that was my home for two years before we moved here, but that is the way life goes.

N is now coming here to become our 5th member.

Advertisements

5 responses to “The Change from the beginning

  1. Wow, that’s complicated! Hope all works out!

  2. Pingback: F ing finances | Deskmonkeymummy's Blog

  3. Pingback: Saturday 23rd July | Deskmonkeymummy's Blog

  4. Pingback: A waste | Deskmonkeymummy's Blog

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s