Thanks for your insightful response. There's a lot for me to think about there but in general, it's all pretty much accurate. I'll respond to some of the questions you've asked later on when I've thought about it more. I'll take a look at those videos too.
I spoke to my financial advisors this afternoon who, as yet, haven't been able to secure me a mortgage deal (dissapointing but not entirely unexpected). They are continuing to try and sort it out and hopefully I'll know either way next week.
On a lighter note, I've had a much better day today - apart from that ^^ call. I've arranged to take all the kids out for a meal on Sunday evening too. They think we're going to one of our usual hang-outs but I've something better planned for us. I've been speaking to them lots on the phone/texting obviously so we are in contact a lot.
My D16's prom dress came yesterday too (shipped in from the USA), she looks stunning in it...she should do for the price tag!
Me 40 W 38 T 23 M 21 S21 S19 D16 S14 BD 19/12/2014 D mentioned 27/2/2015. I filed 08/04/2015, D Absolute 04/11/2015