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    • kittie
    • By kittie 7th Sep 17, 3:27 PM
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    kittie
    stage one of actually looking at areas today and I have come back stressed and with a headache, don`t normally get headaches. I saw two today from the outside and both were carp compared to the estate agents blurb, the bits they missed out. Also drove around two small townships and the stars have gone out of my eyes. Busytraffic and again properties in grotty areas, so I am looking close to home in villages that I know, only a couple of miles away with a good bus and shop and post office. Love those villages and perfect for cycling and I can keep my allotment, I can cycle to it

    I have had to up the anti wrt money and will be drawing down from my sipp, I have already told the children but anyway houses up to a certain increasing value can be passed on inheritance tax free. If I die after age 75 then anything in my sipp will be taxed, so it makes sense to invest sipp money in a house. I had to talk this through with myself to see that it made sense to move to a better property. I am very lucky in that I have a young relative who now owns her own estate agency and she is a super person and a brilliant agent. She will do a kirstie and phil and help me buy a home, then sell mine. The stress at the moment is pretty high, for no real reason so coping with completion on two houses at the same time is a definite no for me. I will get my workshop and garden moved first, so I can concentrate on my house

    Luckily nothing needs doing to my house, no painting or anything and I am going to join some activities in those villages and put the word out, there is hardly anything for sale at the moment

    All the time, a thought at a time, it is adding up and I am making sense of my future. My son sent me flowers today, he sees the positivity of a move and I am now taking estate agents blurb with a big pinch of salt
    Last edited by kittie; 07-09-2017 at 6:08 PM.
    • kittie
    • By kittie 7th Sep 17, 5:35 PM
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    kittie
    I know why the headache and it is because of two massive solar flares which have been unleashed, very massive and the proton count towards us is increasing (bad ions) there will also be bunching because burst after burst of solar wind will directly be hitting earth. Many many people will have been feeling a bit under the weather today and yesterday. I have negative ionisers in my house and am turning them all on, it will help. 2010 was the last time three massive hurricanes were compressed to the same time frame. Mmmm, nature`s warning perhaps!
    • moneyistooshorttomention
    • By moneyistooshorttomention 7th Sep 17, 5:35 PM
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    moneyistooshorttomention
    One does have to take estate agents blurb with a pinch of salt and, in some areas, a way bigger pinch of salt than normal imo. There are "area standards" and some are lower than other "area standards". I have found that personally and some areas will tell you that a house is some levels up from what it really is judged by the standard of a different area (tell me about it....cynical smilie.....). I learnt, after a while, to downgrade what I was told by 1 level to allow for EA optimism and then a couple more to allow for that factor (ie change of area factor to poorer area was what it boiled down to). So if EA said "Ready to move into" I translate normally into "Well I can move into it and then get on with it" - but I learnt that, in some areas, that means "Well you can move into it right away and it will just about function - but get on with renovating it fast - just to make sure you've got basics - eg the central heating and lighting are actually working".

    To me - "ready to move into" translates into "Decorate it/maybe new kitchen and or bathroom". In poorer areas "ready to move into" may mean errrrrrm.......rather a LOT LOT worse....and it may not even function (bearing in mind my current house was described as "ready to move into". You have gotta be kidding and there was a time when damn all was even literally working in it - ohmegawd).

    You're en route Kittie to Forever Home. Rome wasnt built in a day. Right at this moment = you're checking out possibilities. This is research phase and I would say "hang on in there and you might just be lucky during Research Phase" but you're learning what's what and what's available and what you personally want/are prepared to accept.

    I would say your timing isnt far off from what I can see about having a "look around". This may/may not work for you - but I think your timing is pretty good as to when you decided to have the "look around" imo.

    "Putting the word out" is always a good idea imo and I've done it myself before now - ie when "logical avenues" simply werent working. Keep an eye on all possibilities - both "logical avenues" and sheer synchronicity of "right place right time - right person". Either could work.

    I've got a positive feeling about this that it will come good for you. It just may take a few weeks, maybe even a few months - but hang on in there and I think it will.
    Last edited by moneyistooshorttomention; 07-09-2017 at 5:46 PM.
    If there's "4 tendencies" type of people (Gretchen Rubin) = yep....Questioner type here
    - Meets an expectation only if they believe it's justified and resists anything arbitrary or ineffective
    • kittie
    • By kittie 7th Sep 17, 6:16 PM
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    kittie
    thanks money, wise words. I did a neuro programme thing while lying back to relax, like some meditation. It worked and de-stressed me and I have had e mails from the children, so supportive. My niece is on holiday for a bit longer but I trust her with my all, we did the same subjects ie physics and then a medical thing, the same one and neither of us knew the other was doing it. I unexpectedly met her at uni, a year below me and now she lives 30 minutes from me. So there is a lot of synchronicity and I would say `soul sisters` I just have to give it over to her, its just too much on my own but I do know that there will be light at the end of the tunnel and yes this will be my last and forever home. I think I have been hanging onto this because my husband wanted this eco house so much, I think it is the last clean cut that I must make
    • thriftwizard
    • By thriftwizard 7th Sep 17, 10:03 PM
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    thriftwizard
    Kittie, may I suggest "snooping" round potential homes & areas on Google maps & Streetview before going to view? It's amazing what estate agents don't mention, like the industrial estate next door, or the caravan park opposite. Or a river prone to flooding, or a busy car park. Not necessarily problems, but the sort of thing that might put you off. You can also inspect local plans etc. online, which should tell you if there are likely to be any major developments nearby. On Satellite view, you can quite easily see if, for example, neighbouring gardens are full of old bedsteads & burnt-out cars. It's saved us a lot of potentially-wasted trips.
    Angie

    Money's just a substitute for time & talent...
    • maryb
    • By maryb 7th Sep 17, 10:40 PM
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    maryb
    oooh Kittie that's so strange, I had a terrible headache yesterday for no apparent reason, that painkillers wouldn't touch and then today i was - er,indisposed - again for no obvious reason.
    It doesn't matter if you are a glass half full or half empty sort of person. Keep it topped up! Cheers!
    • kittie
    • By kittie 8th Sep 17, 6:58 AM
    • 11,040 Posts
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    kittie
    Kittie, may I suggest "snooping" round potential homes & areas on Google maps & Streetview before going to view?.
    Originally posted by thriftwizard
    This how the internet is worth every penny, how I knew to ask about the garage and saw what looked like a perspex leanto, utility room haha. Thanks TW

    I have the date in my diary for the next group meeting of ladies in those villages, they just meet to make friends and go on day-out coach trips together. I think I already know a couple of them through the `keep fit` that I used to go to. They asked me to join then but I felt too active but these are women who `know` and some are from each of these three villages, so I can get word out that I am looking. I would also be moving into a ready made community

    I was a little concerned about finances last night but I know my method is the right one for me and I am good at managing money, just done the november bill/incoming transfers on m/.s money. I am dropping money into my visa card now, instead of just buying things and then transferring money from savings. I have stopped buying and am transferring to visa from a current account, when cash becomes available. The freezer also concerns me but if push comes to shove, then my frozen food will go the distance, a couple of miles. However I will eat from the freezer every day. Two very full freezers, mostly allotment produce

    When I start to go, then I am going to ask the removals company to dismantle and then re-erect my stands and shelves from outbuilding and garage. I could do them myself but paying professionals will save me stress, So maybe three stages, outbuilding and workshop first to clear space, then after selling this house, garden pots and there are many and large, although I will try and leave some. Then lastly, house stuff. Tbh, it seems to be sorting itself out and just clarifying stages is reducing stress

    Re what I can afford and prices, RM is a very good friend at the moment, looking at past sold properties gives me a better idea and the RM trend chart is interesting with a dip starting to go downwards, getting cheaper is the trend

    I have to stop thinking about it now, just need to think how I can `prep` more stuff and this is also MK, Today I will start to work downwards in the garage, clearing top shelves. Tbh it is quite nice to have a focus for the day, rather than drifting
    • jk0
    • By jk0 8th Sep 17, 8:06 AM
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    jk0
    Interesting to hear about your house move Kittie.

    What you said regarding garage shelves struck a chord with me. I had removal men to do that back in 2009. Frankly, I wish I'd bought new shelves for this place, and done the garage move in small amounts in the car. The removal men were in such a rush (understandably) that everything was just bunged anywhere in this garage. I still haven't found everything.
    • moneyistooshorttomention
    • By moneyistooshorttomention 8th Sep 17, 8:46 AM
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    moneyistooshorttomention
    jko - sounds like a task for this winter maybe? - ie a good clear-through of that garage. Maybe you could pay that young lad you mentioned a bit back an hourly rate to help you with the job?

    Though don't necessarily expect that you still have all your possessions in your possession iyswim after having it moved for you. I think/feel sure that some removal men (I hasten to add there will be decent ones out there) bargain on people taking months/maybe years to get things sorted after a move and could be sitting there with unpacked boxes years later. By which point - most people wouldnt even be that aware of what they own any longer...

    ....and the reason I know that being I paid my removal firm when I moved here to do my packing for me. Cue for me unpacking pretty promptly again this end (ie within a matter of weeks) and so I knew very well a few of my possessions were definitely still owned by me - but hadnt arrived at my new house with me. I then saw why removal firms have a clause in the small print about people only having a very short period of time during which to put in a claim for any possessions that have "gone missing"/been damaged in the move..

    I did manage to get paid for my missing possessions - after a bit of a "fight" about it. I guess they didnt bargain on people decluttering before moving/being pretty organised and generally being pretty well aware of exactly what they own.
    Last edited by moneyistooshorttomention; 08-09-2017 at 9:15 AM.
    If there's "4 tendencies" type of people (Gretchen Rubin) = yep....Questioner type here
    - Meets an expectation only if they believe it's justified and resists anything arbitrary or ineffective
    • jk0
    • By jk0 8th Sep 17, 9:00 AM
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    jk0
    Thanks Money.

    In my experience you need to pick a day very carefully for garage tidying... Too cold, and you won't be able to bear the door open, too hot, and you'll be dying, too wet and you can't put anything outside temporarily...

    To have to coordinate that with an idle teenager's schedule is pretty hopeless. I had to sack him from his Saturday job in the end sadly. It took me a further day every week to rectify all the mistakes he made.
    • jk0
    • By jk0 8th Sep 17, 10:50 AM
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    jk0
    BTW, odd dream last night:

    I found myself back at school learning to type. (Never did get any typing lessons. I bought a gadget to teach me.) I found it very hard though, as although I knew the key layout, we were on mechanical typewriters.

    I wonder if I ever will have to learn to use one of those?
    • Mojisola
    • By Mojisola 8th Sep 17, 11:04 AM
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    Mojisola
    BTW, odd dream last night:

    I found myself back at school learning to type. (Never did get any typing lessons. I bought a gadget to teach me.) I found it very hard though, as although I knew the key layout, we were on mechanical typewriters.

    I wonder if I ever will have to learn to use one of those?
    Originally posted by jk0
    You'll get strong fingers if you do!

    I did typing at evening classes (a neighbour's front room with desks and big upright typewriters) - we had to type in time to music which got faster as we all improved our speed.
    • kittie
    • By kittie 8th Sep 17, 11:58 AM
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    kittie
    I have finished today`s stage and the top garage shelves are emptied, all sorts up there but now tipped. Wrt moving in stages, yes it is much easier. If my new place needs anything adding wrt outside storage then our local very trustworthy handyman will do it, another great benefit of not moving too far. I can even easily dismantle the chrome shelving as they are on legs that just join together. That would be best ie take them as they are light enough and re-assemble before garage and workshop goods are moved. Tomorrow will be another stage but I am making sure to be cool and calm in between, so am being steady and not at it hammer and tongs

    I just sorted my money too as almost all the sipp money is in stocks and shares, working hard for me. I have liquidated some completely and halved holdings in others. What this does for me, is it protects my house purchase in case of a stockmarket fall. I can always re-invest whatetever is left in cash afterwards as long as I don`t take it out. Belt and braces approach and no sleepless nights

    jko, that made me smile, about the garage clearing, oh so true
    • daz378
    • By daz378 8th Sep 17, 1:12 PM
    • 541 Posts
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    daz378
    been refferred to occupational health next monday.....for my knee only had a week off with it.....been ok since.... i see it as a free consultation....although work would use it for their nefarious purposes were it to be serious....which i dont think there is anything structurally wrong with it.......in an effort to ease pressure on knee ...im doing more online grocery shopping which is a preppers dream ....im especially slowly filling up my veg tinned cupboard....hope your all doing fine .. take care
    • kittie
    • By kittie 8th Sep 17, 1:29 PM
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    kittie
    heck Daz, you have to be so careful about what you say to these people, in case they use it against you, although it is supposed to be confidential

    Lunch eaten and I am still feeling happy and energetic, so am going back into the garage, putting the radio on and will start to sort individual boxes, like sanding and sharpening etc. All labelled but I am sure I can combine and will start sorting wood offcuts, bearing in mind to keep stuff that will make nice things later in life, like scroll saw stuff and pyrography and for christmas ornaments. Prepping for future hobby workings and mindful of not throwing the baby out with the bathwater
    • moneyistooshorttomention
    • By moneyistooshorttomention 8th Sep 17, 2:01 PM
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    moneyistooshorttomention
    Ooh Daz - feeling wary on your behalf there about your "free consultation".

    These occupational health people write out a report for your employer afterwards. In my experience - when I've been sent to them in latter years it was down to the employer hoping they would write a report that would give the employer the excuse they wanted to get rid of me.

    It didn't work in the event- as I explained to the OH people what my employer was up to and I was perfectly fit enough to do my job. I was fortunate that the OH people concerned were reasonable people and trying to do their job fairly - but if they hadnt been
    If there's "4 tendencies" type of people (Gretchen Rubin) = yep....Questioner type here
    - Meets an expectation only if they believe it's justified and resists anything arbitrary or ineffective
    • ivyleaf
    • By ivyleaf 8th Sep 17, 2:04 PM
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    ivyleaf
    Nice to "see" you daz I hope your knee continues to behave itself.
    • short_bird
    • By short_bird 8th Sep 17, 2:32 PM
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    short_bird
    The focus of the media fascinates me. A good chunk of the Western US and Canada has been burning because of dry conditions and the jet stream is carrying particles across the whole of the US. But only the floods make the news... Go figure.
    Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.
    • Karmacat
    • By Karmacat 8th Sep 17, 2:56 PM
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    Karmacat
    The focus of the media fascinates me. A good chunk of the Western US and Canada has been burning because of dry conditions and the jet stream is carrying particles across the whole of the US. But only the floods make the news... Go figure.
    Originally posted by short_bird
    Do you have a link for us, shortbird? That would be great.
    Retired August 2016
    • MrsLurcherwalker
    • By MrsLurcherwalker 8th Sep 17, 2:56 PM
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    MrsLurcherwalker
    We're looking for a 'house' as we're both OK with stairs at the moment but more than that we're looking for a house with a big enough garden to manage as we age, not a tiny garden but not enormous either, big enough for some veg and greenhouse but small enough for 'one' to manage should there ever be only one. We're also looking for a downstairs cloakroom and enough rooms at ground level that one could be used as a bedroom if we get to the point of NOT being able to do stairs. I want a wood stove or an open fireplace that could take one and I'd like to be above any possible flood danger but not up a steep hill. The rest is for us to make as we want it. Estate agents seldom paint a true picture and their pictures are very much NOT the true picture with the fish eye lenses etc. that make things seem bigger than they are and their very carefully chosen words to enhance and make the property sound attractive and non disclosure of anything adverse like the property being next door to a pub or on a busy A road. Thank heavens for the map service that google provides, the 'satellite' pictures that you 'zoom in' on to see the quarry/factory complex/smelly farmyard and slurry pit that backs on to the property and also those rare little gems that come with a hoarder next door and a thriving population of long tailed rodents! We'll find it, eventually, and move and make a new life closer to the girls but I'm waiting until I'm sure it's the 'right' place for us, not hurrying or panicking that it will never happen. Patience and dogged tenacity.....and also a sense of humour is what you need when you're looking for a new house!
    Go forward with the vision even if no one else can see it!

    No amount of regretting can change the past, and no amount of worrying can change the future!
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