Millionaire Challenge

lessonlearned

Good morning all

Well done, BD that's fantastic. Go You:D

Tink - that's great news about your lodgers, will bring in some cash which you can chuck at those debts. You'll soon make mincemeat of them.

Biscuits - I read about the guy aiming for 100 BTLs - more power to his elbow, hope he does it.

Yes I,think my sons plan of 10 by the time he's 40 is doable, it's 11 years away. And if we can get two in year 1 then he will be ahead. I think that once the ball gets rolling it should get easier. Just keep reinvesting the profits to grow the portfolio.

And then hopefully some flippers along the way, and investing in stocks/shares/bonds etc. I see no reason why he cant be FI in 11 years if he puts his mind to it - just as long as he keeps to a relatively simple lifestyle and isnt tempted by fast cars and even faster women;)

Still waiting to hear whether our offer has been accepted, don't know that my old ticker can stand the suspense.......:rotfl:

It sounds like it's been a good month for most of us, long may it continue.

Won another £25 on the premium bonds yesterday, so that's £75 this month, plus the rare coins which I shall keep and a stash of old gold jewellery of mums. I shall keep that too, partly for sentimental reasons but also because it can be set aside for a rainy day.

I watched an interesting programme about amateur wheeler dealers last week. One the professional dealers gave one of his new clients a good piece of advice. He told her to concentrate on stuff small enough to fit into your pocket. so I think that would be gold, jewellery, watches, coins, stamps etc. I thought that was very good advice.

I know from my family's history that when times got rough that's what they did. My Belgian grandmother in particular did this at the time of the German occupation. She felt that if they ever had to leave their home and bcome refugees then they would at least have portable items of value to sell and help them survive.

I know that when the Germans were marching into Belguim she buried larger items of silver etc in the garden..... Good job she did because German soldiers just marched onto the farm and took everything, food, her nice furniture and linens, even the chickens and rabbits destined for the table.

Not saying I think we are about to invaded but since my husband's illness I have learned not to be too complacent.

I now try to always have an ace up my sleeve.

lessonlearned

Yipee....., ive just finished sorting out all dads paperwork. A huge weight off my shoulders. I can now get on with stuff for me.

Biscuits - I didn't pick up on your comment before. I am a a Games of Thrones fan too.

Just watched this weeks episode. Won't spoil it for you.....:D

tinktay84

Great news on managing to sort all your dad's paperwork out.

I've been working this morning and again tomorrow morning which I hate working weekends BUT 2 hrs this morning and 3ish tomorrow will make me this month's car payment so well worth it.
Just about to get 1st bedroom ready for lodger arriving Monday for 8 weeks..its the fullest as it's where me and the kids have been sleeping so we are moving to the previous 'lodging' bedroom until the next lodgers move in at end of june. At that point we will stay at my fellas for 2 weeks then a week away and then 1 lodger moves out so back to having the original room back 😂😂

lessonlearned

Good plan, Tink. A bit of messing about, but worth it if it gives you some extra cash.

Still not heard about our offer on the flat, so am hoping that no news is good news. It's a bank repo so I guess they just go at their own snails pace.

Made a start clearing some stuff out of mum and dad cottage today.

Oh joy.!!!!

It's a lovely still evening here - perfect to light the chiminea and sit out with a glass or two, watching the flames and the stars.....

I'm a cheap date

tinktay84

Well for the first time in well over a year I am bored out of my tree!im usually too busy or tired nowadays but I have spent the past 4 hrs absolutely bored stupid.
Don't get me wrong there is stuff to do..tidying cleaning etc but after working this morning and getting the bedroom ready for lodger I felt sick with overworking myself. (My mum has fibromyalgia and this is one of the symptoms so I'm being careful)
Ive been through all my accounts and I'm up to date with everything.There isn't much I watch on TV so that's not a goer and im not really in the mood to sit outside as next door are having a BBQ and my asthma is bad today (i assured them I am fine with it as they very kindly checked with me first knowing ive been bad and also to make sur Emmy washing wasn't affected)

Hope you're right about no news being good news LŁ I would agree that a bank repo they don't care as much about timeframes.if you get bored of waiting maybe suggest that you might look elsewhere if they don't gee it up....see if it gives them a kickstart.

lessonlearned

Hi Tink.

I am assuming that we won't hear anything from the bank now until Tuesday. I will start chasing the agent although to be fair it's not the agents fault. "Daniel" has been very good at keeping us in the loop and I think he is as exasperated as we are.

I'm viewing a cottage on Tuesday and will line up somemore viewings next week. Tbh there's not much that sparks my interest at the moment.

I don't know whether it's just part of the grieving process but I can't seem to summon up any real enthusiasm for hpusehunting at the moment. I know I can't live with my son for ever but I just can't seem to make up my mind where I want to live.

Hey ho. All in good time.

I have mild Fibro too, so I'm know what you mean about tiredness. It's very frustrating at times when I have lots I want to do but no energy left.

Re the boredom and frustration that you are feeling. I think this is only normal. You've been through a period of great stress and worry and you need to re adjust but of course you also want to crack on and rebuild your future. It's normal to feel deflated at times. You are perhaps in need of a bit of a boost.

you are doing really well Tink. You have courage and tenacity, I have every confidence in you. You've turned a corner, you just need to keep going,......

Clear those debts and then you can really get moving.

I know you are throwing every spare penny at those debts and I know you are going on holiday soon but can You manage a little treat or two this week. A drive out to the country or the beach and take a picnic. A trip to a free museum or park with the kids. Spend some downtime with your new man. You don't need to spend a fortune but perhaps a couple of cheap treats or outings will lift your spirits.

Last evening was beautiful. i sat out with the chiminea till around 10.30, the sky was clear and I just watched the stars For a while. I felt a bit melancholy aNd missed my OH but there you go. No one said bereavement would be easy.:(

Today I'm having a good old tidy up and a spot of gardening, weather permitting.i ive been so busy sorting out my dads stuff that ive neglected my own needs. The house is a tip.:eek:

So that's my focus for the bank holiday weekend - operation tidy up.....;)

Karmacat

Lovely to read posts from kindred spirits - wanting to move on but finding it difficult. None of us want to spend every spare hour working, of course not, and when there's such a big underlying issue - a chronic disease like fibro (arthritis, CFS for me) or grief (had my 1st session of CBT on the NHS on Tues, and unfelt grief at the loss of my dad was very strong) its hard to keep going anyway.

I'll do what I can, and then I'll stop. It can get very boring, you're right, Tink, but needs must. I don't like watching TV much either, but its a case of not even wanting to focus my eyes on a book, sometimes, and I get really restless with listening to music, so TV (DVDs or iplayer) it is.

Kayalana99

Well my Grandad isn't coming to my wedding as he is having a bypass surgery a couple days before. Understand ofc they said he could of put it forward a week but as my Dad said if something was to happen in that week none of us would forgive ourselves which is true. Bit hurt that he didn't call me himself to tell me though rather then passing the message on after only a couple months back he was complaining to my Dad that we didn't call to say thank you for our Xmas gift despite thanking him to his face at the time (sorry if I seem a bit bitter here given circumstances, I just think it should work both ways and it's not like we didn't say thank you at the time but I do understand things were done differently in the olden days so they expect these sorts of things and my MOH has annoyed me as below so think I'm just having a bad day)

& I am having MOH issues as she now has £60 left to get her till 15th June and she had my wedding and her 21st and has now had to cancel all her plans including having her wedding hair done which has annoyed me as I now have to let the hairdresser down bearing in mind it's been booked for months, I'm not even sure if I'm allowed to cancel it I mean we don't have a contract in place but it's not fair to be doing it so close when she is so busy.

I just feel like she has begrudged paying anything for the wedding, I paid for the dresses and the alterations so really all she's had to do is buy shoes and a shrug (which the shrug was her choice so really all she had to do was buy shoes) and the hair was totally by choice, one of my BM's asked to have hers done and in end they all wanted it doing so it's not like it was pushed upon her.

I have to understand people aren't that good with money like I am (not saying I am perfect but some just have no grasp at it) obviously she has not done it on purpose but she came down last week and spent £80 on transport, food and just general stuff (like £20 on a bathroom scale and £10 on a DVD) and she only came down for the day as she had a day off and was bored and now is shouting at me on the phone at the suggestion she does her activity she had planned for her 21st next month and has a small celebration now which I said I was quite happy to take her out for a meal or something that I would pay for but she's very moody ATM and hard to please.

I feel like if this had happened last year I would of basically offered to pay for everything because of how close we were, but I just feel like ever since she has moved she is biting my head of at every little thing...I think she is really unhappy with her choice of moving but if you ask her she absolutely adores it, I am hoping it is just a phrase but it's been going on for a while now and my OH is getting end of his tether with how she is treating/talking to me...

I'm really sorry for ranting, I do feel bad about feeling that way about my Grandad for a start esp given the circumstances but I just would of appreciated that call I have to admit.

The wedding has taken my finances into a complete and utter mess. This isn't going to be easy to recover from and it didn't help my OH got my business card blocked so I have had to use my personal account which has messed things up even more..:D

I'm just thinking that once this wedding is over then we can start budgeting again and getting back on track...it sickens me I had £750 which is now down to £350 as of today...which I just don't know how it happened. If I sat down I could work it out but it's just little stupid bits for the wedding ...I had to spend £100 just on my BM (as she's my little sister so can't pay for things herself) on shoes, jewellery shrug and hair.

Still have the cake to pay for with £100 left in my budget which I don't know how much it's going to cost so reckon another £50 will be taken out of the savings pot (I had a separate wedding pot but money was getting taken out of savings for extra ) also my CC is currently sitting at £1,500, I do have *just* enough to cover this months payment (full payment just to add but that is over two months) so should leave about £600-650 for this months purchases which is £250 over budget so that £350 will go down to about £50 left give or take.

It's pitiful for saying that we did have a *spare* £750...but their you have it. Weddings for you....also I am sure she will do something for her Birthday so will probs need £50 for that depending what happens! :eek:

Karmacat

Poor you, Kaya! You sound really overwhelmed with it all

I'm sorry your grandad won't be coming to your wedding, it sounds like its very upsetting for you, especially that he didn't tell you himself - especially as he's complaining about you not having sent a letter of thanks as well as thanking him to his face at the time I guess the only thing I can say about that is that if he's ill enough to need a bypass, he probably doesn't feel like making an extra phone call

It also sounds like you know there's other stuff going on with your MOH (I'm not sure what that stands for, sorry ) that she's taking out on you - all very well to understand it, but still very upsetting when it happens.

Step back! It isn't *all* about money - hmmm, I need to tell myself that as well. I found myself being very grumpy today, with absolutely no need. Must do better.

Kayalana99

Nah he's in his 70's but he is fit and healthy as a horse, he had a heart attack years and years ago and he changed his lifestyle complety because of it. They said he would need it doing someday but a new doctor took over him and said he needs it doing.