I am not a very positive person. I think the worst in situations and my glass is often half empty. Hubby can be very positive. He can show me my glass is half full. It’s been a good balance over the 12yrs we have been together.
However we find ourselves in a suituation where even hubby’s positive nature has gone.
Lets rewind a bit. Feb 2012 I find myself pregnant with our third child. unplanned. We had hoped to move to a 3 bed house before we had number 3! So we put our much loved 2 bed townhouse on the market. In the 7 yrs since we bought it we have gutted it. Oct 2012 baby was born.
Fast forward to 2013 and 16m after going on the market we sell our house. For 4k more that we bought it for and 11k less than original asking price. Not ideal but we could make it work. We find a gorgeous 3 bed house on a corner plot. 3 double bedrooms. Driveway, garden. My parents were having to help a bit. However we knew this house would change our lives. It was worth it.
Fast forward to now a few weeks later. We find ourselves in a depressing situation. I am a carer in the community. The pay is pretty good. £7.99 per hr. However i am on a zero hour contract. We did not realise what an impact that would have. We had a mortgage in place. Then Nationwide asked for our work references. 2 weeks of continuous stress followed. Wording was wrong many times and my maternity pay was questioned. Finally they said yes! Amazing.
Then the bomb shell. An extra piece of paper fell on someone’s desk at 1pm. After the mortgage had been agreed that morning. Suddenly my zero hour contract discredited my wages. Even though they have seen 3 p60 proving my wages. Our mortgage offer fell. We are 41k short.
Ok so it’s not the end of the world. We are all healthy, boys are happy. However i feel like my heart has been ripped out. Hubby feels similar. This house would have changed our lives. Baby would have his own room. I may get some sleep again. I was going to become a child minder and get away from the anxiety work brings to me. The boys would have move space to play, be able to have the trampoline we have been promising for the past year. When we move house.
So our lives feel shattered. How do we think positively? Half of our house is packed up ready to go. Plus we feel guilty as the first time buyers buying our house are homeless at the end of the month. They handed their notice in on their rented house a while ago.
No other lenders would do a 95% mortgage. We are stuck……
I have applied for many jobs this year. But with no luck.
Positive thinking????? Not happening here.