Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • another casualty
    • By another casualty 28th Oct 15, 9:15 PM
    • 1,330Posts
    • 2,038Thanks
    another casualty
    Quit everything , and start again over 50?
    • #1
    • 28th Oct 15, 9:15 PM
    Quit everything , and start again over 50? 28th Oct 15 at 9:15 PM
    Hello everyone. Haven't been on here for a few years, but this is my second thread tonight
    My situation: Lovely 2 bedroom maissonette in Twickenham , complete with garden and parking space .
    Know virtually nobody here now . (people moving away etc)

    Working : permanently employed Salary £24,500 + ot

    Debts: inc. mortgage £105,000 approx

    Property worth : £400,000 approx.

    I have had 7-8 years of hell , and I know I'm not the only one
    Haven't had a holiday for years. Been in debt for years, before getting a DMP in 2012.
    My friends are moving away / married etc.
    The place of employment , was a place I didn't want to be in for many years . Joined as a temp in the recession 2007 , and made perm 2009. Things have improved in one way, but are bad in another. For example, my backstabbing colleague and my self get on now since 2012. My boss retired , and now the Personnel officer
    is now my boss.She is rude and incompetent.
    My health suffered last year, and I now have Myasthenia Gravis and am slowly getting back on the mend via steroids.Oh, and I put my brother up for 5 years. He paid £400 a month, but not all at once and I was always chasing him. He was a nightmare , but I have my space back now
    So, with all of the above , I do wonder if I should just quit and start again.BTW, my boss criticised my appointments, I snapped and am now on a final warning for 2 years. I didn't swear/threaten etc. I just shouted as colleague to boss.
    My friends say that I cannot afford to live in London and should buy a place somewhere else and put a sum of money away.
    They even say that I could sell my flat and go travelling for a couple of months. Am I too old for this now?

    I must admit I am getting fed up of London , but I have lived there all of the time , mainly the Borough and Twickenham.
    I wouldn't want to move to anywhere else in London . Twickenham is very pricey as you know.

    Please feel free with suggestions you may have, and thanks for looking




    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 31-08-2016 at 1:02 PM.
Page 104
    • Smodlet
    • By Smodlet 18th Oct 16, 12:08 PM
    • 1,820 Posts
    • 3,024 Thanks
    Smodlet
    Good luck, AC, and please keep us posted.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • copperjar
    • By copperjar 18th Oct 16, 12:15 PM
    • 822 Posts
    • 1,821 Thanks
    copperjar
    What's your plan about renting AC? Wait for completion date before signing up for 6 months?
    Total debt 1.11.10 £23,446
    Save £6k in 2015 #129 £6121.66/£6000
    Save £6k in 2016 #39 £5523.53/£6000
    • another casualty
    • By another casualty 18th Oct 16, 12:20 PM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Yes copper jar . Absolutely nothing I can do before , I officially get a date.
    When I do , it's full on with everything .
    • anna_1977
    • By anna_1977 18th Oct 16, 3:35 PM
    • 362 Posts
    • 388 Thanks
    anna_1977
    Have you seen somewhere you want to rent and got all the paperwork ready? I'm just thinking that if you exchange and complete in 1 week that doesn't give long for the rental company to do all their checks, get references etc AC - just be careful you don't end up up s***ts creek!

    Personally I'd have all the paperwork done and potentially even the checks done but just don't sign until exchange
    • another casualty
    • By another casualty 18th Oct 16, 4:28 PM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Hello Anna

    No , I haven't done anything . I cannot anyway .
    I have seen4/5 places . It will be very touch and go, to say the least .
    Chase Buchanan intend to speak to my solicitor again today, and I'm promised a call from chase Buchanan again today.

    One of the reasons I am edgy, is that I may for example have to take either Thursday / Friday /Monday to go to parkstone and look at whatever properties they have available .
    Have to beg nationwide for advance / overdraft extn. Till completion
    May have to quit job on the same day .

    Now I just want to hear something good
    • Verbatim
    • By Verbatim 18th Oct 16, 4:52 PM
    • 4,247 Posts
    • 11,638 Thanks
    Verbatim
    Hi AC,
    What did the removal guys say about storing your stuff? How's the packing going? You must be quite well along with that now if you're hoping to move in two weeks time? Are you still selling/giving away your leather sofas or taking them with you?
    Hope you hear something positive soon.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • another casualty
    • By another casualty 18th Oct 16, 5:30 PM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Have done nothing verbatim. Haven't been well enough.
    When I get the date for completion, that is when I will do everything .
    Not sure about the sofas. .
    Thanks
    • Smodlet
    • By Smodlet 18th Oct 16, 6:16 PM
    • 1,820 Posts
    • 3,024 Thanks
    Smodlet
    OH and I have just been witness to a sparrowhawk (female, apparently) kill and consume a dove on our lawn. It is a pity about the dove, there is a whole family of them who feed regularly in our garden, but it is life, I guess.

    Just felt like sharing that as I bet not everyone gets to see such things. It is not often I feel privileged: It was at once savage and somehow, right; beautiful, even. Everything has a right to try its best to live, don't you think?
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • enthusiasticsaver
    • By enthusiasticsaver 18th Oct 16, 7:28 PM
    • 2,568 Posts
    • 4,378 Thanks
    enthusiasticsaver
    I am not sure it will do your health much good AC to be rushing around and trying to do everything within a week or 10 days. You know the move is imminent so can you pack up a few boxes and ring up for some removal quotes just so you not trying to fit everything into that week or so before exchange and completion? If you getting rid of furniture you could look into that now too. Just trying to do one thing a day towards your move will make it less daunting. You could ask removers for quote for packing up too.

    As your rental property will be just a stopgap until you buy can your friend look at a few rental properties in Poole for you to save you a trip?

    My daughter is in same position as you, waiting for something to happen on sale of her property in Midlands but she is purchasing a flat in Bristol now rather than renting. She starts new job in Bristol in November but luckily her friend is putting her up while sale and purchase goes through. She has started packing up her spare room and some clothes and books.

    I hope you hear some good news soon.
    Debt and mortgage free and saving for early retirement
    • Iguana
    • By Iguana 18th Oct 16, 7:48 PM
    • 1,757 Posts
    • 634 Thanks
    Iguana
    I agree with enthusiastic.
    • another casualty
    • By another casualty 18th Oct 16, 8:34 PM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    I am not sure it will do your health much good AC to be rushing around and trying to do everything within a week or 10 days. You know the move is imminent so can you pack up a few boxes and ring up for some removal quotes just so you not trying to fit everything into that week or so before exchange and completion? If you getting rid of furniture you could look into that now too. Just trying to do one thing a day towards your move will make it less daunting. You could ask removers for quote for packing up too.

    As your rental property will be just a stopgap until you buy can your friend look at a few rental properties in Poole for you to save you a trip?

    My daughter is in same position as you, waiting for something to happen on sale of her property in Midlands but she is purchasing a flat in Bristol now rather than renting. She starts new job in Bristol in November but luckily her friend is putting her up while sale and purchase goes through. She has started packing up her spare room and some clothes and books.

    I hope you hear some good news soon.
    Originally posted by enthusiasticsaver
    Thanks enthusiastic best of luck to your daughter .
    The way I see it: 1) if I have to wait beyond Friday , then Saturday will be for packing. Sunday also.
    2) keep monitoring property to rent, including phoning estate agent.
    3) may book a couple of days off ( holiday )next week regardless .
    4) go into charity shop, asking them to take my computer desk/ Pilates machine for starters. Find out when they can do that.
    5)keep praying for a decent amount of time to complete.

    Initially , my solicitor agreed that the end of October seems reasonable . If I'm being realistic , he isn't a million miles away.
    Around two months to sell, isn't too bad , providing things get a move on in the next couple of days .

    Just thought of something : there are no animal charity shops in twickenham.
    ( everything else is there though). Is it worth phoning one nearest twickenham, or should I just go to the nearest one ?
    Thanks
    Last edited by another casualty; 18-10-2016 at 8:37 PM.
    • another casualty
    • By another casualty 18th Oct 16, 9:00 PM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Just thought of something more and more impending:
    My job !
    It looks like the best thing , is to ask to go asap.
    Tomorrow is weds . 9 days before the last Friday of October .
    It is also payday . (28th October ) .
    Obviously , I can't give my notice in until I hear from solicitor .
    I would think that the 28th is when I will be going.
    If not, Friday 4th November .

    We'll see
    • copperjar
    • By copperjar 18th Oct 16, 10:07 PM
    • 822 Posts
    • 1,821 Thanks
    copperjar
    Hi AC. Why are you praying for enough time to complete? You can take control of that and suggest some dates. If you need two weeks between exchange and completion (I would say with your list of jobs/notice at work/finding flat to rent - two weeks is the minimum) then tell your solicitor that so he can tell the buyers. If you want three weeks suggest that!

    You seem to be waiting for fate/someone else to make the decisions. I've already told my solicitor I'd like to exchange ASAP but can't complete until 10th November. She is passing that message on to my buyer and my vendor and we will hopefully all agree. Please try to be proactive with this to make things easier on yourself.
    Total debt 1.11.10 £23,446
    Save £6k in 2015 #129 £6121.66/£6000
    Save £6k in 2016 #39 £5523.53/£6000
    • enthusiasticsaver
    • By enthusiasticsaver 18th Oct 16, 10:11 PM
    • 2,568 Posts
    • 4,378 Thanks
    enthusiasticsaver
    As you are top of the chain and you have first time buyers you only have to agree with them which is a real bonus not to be in a large chain. I would say you want a reasonable amount of time between exchange and completion because you need to organise somewhere to rent. It is not up to the solicitors but you and the other party. The only thing I would say to you is removal companies are more expensive near the end of the month and a Friday in particular. Try to complete on a Thursday or Wednesday if you are able to.
    Debt and mortgage free and saving for early retirement
    • another casualty
    • By another casualty 19th Oct 16, 2:50 AM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Thanks
    I've had ( another ) sleepless night.
    I think 2 weeks is adequate . May ask for 3 , but I'll see what buyers say.This means possibly the first week of November .
    This should give me enough time to sort everything out .
    I may well call chase Buchanan and tell them that this morning.

    I've just finished a rough notice letter of resignation to my employers .
    It's 2.50 am . I normally wake up at 5am.
    Last edited by another casualty; 19-10-2016 at 2:52 AM.
    • another casualty
    • By another casualty 19th Oct 16, 7:53 AM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Feeling groggy, tired and horrible today.
    May phone chase Buchanan this morning, if I don't receive a call beforehand.
    Still , I am in work and getting on with it and am doing the eary shift .
    Not all bad
    • MuffinTops
    • By MuffinTops 19th Oct 16, 9:17 AM
    • 2,023 Posts
    • 6,017 Thanks
    MuffinTops
    Thanks smodlet
    She'll probably appear when she has some ( hopefully ) good news
    about her plans . Or she may wait until my situation gets interesting again 0
    Originally posted by another casualty
    Hello lovelies,

    I'm here and have finally managed to have a quick look into the forums again. Please always feel free to PM me too!
    I've not had a chance to catch up with everyone's news yet though, but will have lots of free time next week to catch up with everyone.

    How are you AC?

    MTx
    Credit Card Debt: £740.22 - Almost there!!!
    ======================
    Savings: £10,032.64

    Pot of Gold = £9292.42
    • another casualty
    • By another casualty 19th Oct 16, 9:25 AM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Hello muffin nice to hear from you again .
    I'm alright . Just a little further, and I think my new life will start .
    Probably in November .
    Hope you are well, and things going your way
    • Smodlet
    • By Smodlet 19th Oct 16, 9:49 AM
    • 1,820 Posts
    • 3,024 Thanks
    Smodlet
    Good morning AC, all... HELLO, MUFFINTOPS!


    Yes, you have been missed.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • another casualty
    • By another casualty 19th Oct 16, 9:54 AM
    • 1,330 Posts
    • 2,038 Thanks
    another casualty
    Good morning smodlet
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,690Posts Today

6,415Users online

Martin's Twitter