Preparedness for when

tessasmum

jk0 wrote: »

So sorry to hear that Tessasmum. My only comment is perhaps wait a year or two before making the decision to move, as both you and your girls don't need any further upset at the moment.

If the place is mortgaged, will insurance perhaps take care of future repayments, and alleviate the need to move?

Thank you for your comments about our bereavement.

The house is owned outright, thank goodness, so there is no mortgage to worry about, but there is no insurance. Insurance on a chap who has had two heart attacks and then a heart transplant is very expensive. We paid off a mortgage on an earlier property with the life insurance which matured with a lump sum but once that policy matured, it was next to impossible to afford to take out more, even though we had young children.

Running the expenses on a four bed detached house is probably going to be beyond me in the long run, I think, but we will take our time to decide what to do next. We are tied to this area for the younger DD's school for now, as I certainly don't want to move her from there.

Really I just came on here to say thank you for all the ideas and inspiration that you guys have given me, and that in this case, it is helping to make the difference between us sinking and swimming - it's not going to be easy, but your help makes it easier than it otherwise would be! IRL friends haven't always understood why we don't "do" a lot of holidays, going out, etc, and it is good to know where there is a thriving community of people who "get" that kind of thriftiness.

GreyQueen

Bless your heart, tessasmum, and all good wishes for your future.

I don't spend a lot of time fretting about what people who know me IRL think of me. My line manager has said they'd like to clone me (frightening prospect ) but I'm sure most of my peers think I'm a boring f.a.r.t who ought to get out more.

Thing is, for reasons of health and wealth and happiness, I need and love a low-key life. Am debt-free and have a lot of flexibility based upon not owning excess Stuff and being flexible about what I do, and when I do it.

Being open to the inevitablilty of change, which will be some to the good and some to the bad, is the best way to live in an uncertain and ever-changing world.

:cool: And having lots of cans in the Armageddon Cupboard, of course.

[Deleted User]

TESSASMUM you my petal are just why this thread is so useful, your feedback is the inspiration WE all need to keep on doing the things we do. If it's helped and helping you lovey then it validates its existence in the first place. I'm so sorry that you've lost your dear OH and now have to forge a different path in life for you and your family but your approach to what others would have seen as an insurmountable problem is refreshing beyond belief and the fact that you had made preparations for just this eventuality will see you through whatever you need to do to come out of the tunnel triumphant. Please stay in this little family and let us help you through any glitches that happen, keep us in the loop so we can rejoice at your successes and keep us prepping by being the inspiration we need to keep the vision alive, Good Luck, Lyn xxx.

fiftyeighter_2

Tessasmum. I do not have the words to express my sympathy to you and your family. I think MLW,s words to you echo how we feel. You are a very strong and wise lady and I truly wish you all the best.
I have been up very early today, couldn't sleep. Too much on my mind I suppose plus I've been really stupid. I am generally quite thrifty ( have to be, only pension to live on, like a lot of people ) but I got talked into having an evening out, well I didn't take too much persuading, and ended up going completely overboard and spent £30 of which I can't spare. Now I have feelings of guilt and am so angry with myself. Why oh why did I do it?
Well I suppose I have learnt a lesson.
No good I must get moving and do some work and get my dogs out for their walkies.
Have a good day everyone.

[Deleted User]

FIFTYEIGHTER don't feel guilty love, we all need some fun in life, and £30 isn't too huge an amount to have given yourself what I hope was a lovely evening. You've got the knowhow to be nice and frugal for a few weeks to make up the defacit and will back on track before you know it. I think that old saying about All work and no Play etc. holds true in this day and age too!!! Lyn xxx.

fiftyeighter_2

Oh thank you MLW. How come you always seem to have the right words to make people feel better? And yes it was a lovely evening just a couple of close friends and my brother. I don't normally go out like that so really it was a one off. My DD bless her, keeps telling me I deserve it and stop worrying. She's a good girl and I'm very lucky to have her and of course the lovely peeps on here.

[Deleted User]

Course you are and she's lucky to have such a nice Mum too. So here's an idea for you, why don't you put 50p or £1 in a jar just once in a while, when things are found at reduced prices and there's a little slack in the system and save up a little pot of spending money, you have to make sure you don't dip in for the housekeeping and when you have enough look for a 2 for 1 coupon at a nice pub or restaurant near you and treat BOTH of you to another lovely evening, a planned one and you'll have the cash in your pocket and all the fun of anticipation too!!! then there will be NO guilty feelings and a lovely memory!!!

fiftyeighter_2

Funnily enough I do try to put a little money in a tin for this sort of thing. I suppose it's because I spent it all on myself that I feel guilty.
It's a beautiful day here today but for some reason I feel cold well my feet are. The dogs seem really tired today not wanting to move by my side. Mind you one of them, the jack Russell is a very lazy dog. He hates getting out of bed and woe betide any one who tries to get her up before he's ready lol.

[Deleted User]

You're worth it 58r, most definately worth it!!!

Frugalsod

I take out a small amount of cash each week or month, and use that for my small spending what I have left over in change and notes is saved. So if I run out of cash before the end of the week, then I stop spending and it helps motivate me in not buying items.