Crowding round, like punters at a dogfight, me and the
other parents overlook the small party table, each egging a child on to have
another crisp, a sausage, or piece of cake. We should just roll all of the
above into a pastry jacket and have done with it. God knows what Poz is going
to be like when all the salt, fat and sugar collide in his gut, in the great
tummy rumble of Eva’s fourth birthday.
The windows of Snakes and Ladders perspire in empathy with the overwrought
excitement of a hundred howling toddlers. It’s the last place on earth any half-sane
adult with a threadbare constitution would choose to spend Saturday lunchtime
and yet here we all are – to celebrate a little one’s rite of passage through
toddlerhood.
For my part, a rough week at work punctuated by short periods of fitful sleep
and backlit by a pervasive feeling of guilt for not delivering on any of the
KPIs pertinent to a parent or employee, or partner, has driven me close to the
edge. Yes, Close to the Edge...of alcoholism.
The mortgage company have denied us the chance to extend the
period of our loan to bring the monthly payments into the realm of the
affordable and then made it clear that, guess what? Our affordability is
borderline, doh! The lesson is enshrined in the clown, Tommy Cooper’s, joke; “Doctor,
doctor, it hurts when I do this (lifts an arm, or leg).” “Well, don’t do it
then.” comes the doctor's immortal reply.
Of course, we couldn't afford to buy a house without the lenders help for which we will pay £1.95 for each pound borrowed, so I don't think gratitude is an appropriate reaction, exactly. There are also the inevitable penalties should we get so lucky as to be able to afford to pay off the loan early. So, once we sign up, the profits to the lender are pretty much guaranteed. We're putting a third down, so even on repossession, the auction value only needs to be technically two thirds of the original purchase price to pay off the base debt.
Talk about loading the dice in their favour and all the set up fees, searches, surveys and ancillary insurance products keeps a whole support industry in coppers. If gratitude were appropriate, one would be inclined to think it flowed the other way, although I'm not going to hold my breath waiting.
Of course, we couldn't afford to buy a house without the lenders help for which we will pay £1.95 for each pound borrowed, so I don't think gratitude is an appropriate reaction, exactly. There are also the inevitable penalties should we get so lucky as to be able to afford to pay off the loan early. So, once we sign up, the profits to the lender are pretty much guaranteed. We're putting a third down, so even on repossession, the auction value only needs to be technically two thirds of the original purchase price to pay off the base debt.
Talk about loading the dice in their favour and all the set up fees, searches, surveys and ancillary insurance products keeps a whole support industry in coppers. If gratitude were appropriate, one would be inclined to think it flowed the other way, although I'm not going to hold my breath waiting.
