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Alchemausterity

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  • pavlovs_dog
    pavlovs_dog Posts: 10,229
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    Alchemilla wrote: »
    I am paying £32 per lunar month for insurance on the Plops. Could this be better/cheaper?

    perhaps a more telling question would be how it compares to hubbies life assurance :p:D
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • Alchemilla
    Alchemilla Posts: 6,284
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    Plops is much more expensive...

    She has been bad today.

    KC...here is the list

    to reduce the mortgage OR to provide an opportunity for extra income

    to be nearer to work or school


    to have land around us instead of at the other end of the village.

    Car boot fixed (167 quid) 69 quid in sainsbugs.

    Going to see two more tomorrow and take Plops for saddle fitting.
  • Karmacat
    Karmacat Posts: 39,460
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    Alchemilla wrote: »
    KC...here is the list

    to reduce the mortgage OR to provide an opportunity for extra income

    to be nearer to work or school


    to have land around us instead of at the other end of the village.
    Aha! Well, no matter how beautiful your current house is (and I know it is, I remember your photos you posted!) those are valid reasons :)

    Work vs school - school is probably much shorter term than work (tho your littlies are quite little, aren't they?) Hmmm. For young teens (and for you in your dotage :D , bus routes will play a part ...

    Good luck with the search tomorrow.
    2023: the year I get to buy a car
  • Alchemilla
    Alchemilla Posts: 6,284
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    Its DH's work really. 45 miles and 60-90 minutes each way.

    So the first house offered only one thing which was land around it, but I guess #4 reason would be another project to build some more "sweat equity". It did offer that.

    Number two
    would reduce the mortgage, provide livery and sand school hire potential and be closer to our work, plus sweat equity potential.

    Number three offered none except closer to work and so we have discounted it.

    Number four tomorrow offers just the land, and closer to school.

    Number five tomorrow offers closer to school, land AND a set of potential barn conversions so additional income.

    We are being a BIT analytical.
  • CathT
    CathT Posts: 7,135
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    Number 5 sounds very promising!
    Nov 2025 - part 1 - £13,878 part 2 - £20,953 Total - £34,832 24 months to go!
  • Karmacat
    Karmacat Posts: 39,460
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    Thats great! I didn't imagine that your posts on here were the only analysis you were doing, honest!

    Number five *does* sound interesting! Good luck with it.
    2023: the year I get to buy a car
  • Alchemilla
    Alchemilla Posts: 6,284
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    There is only the slight issue of affording it...but it has been neither sold nor rented out for 24 months, with no lack of trying...
  • greent
    greent Posts: 11,115
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    oooh - possibly room for negotiation....?
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20

    2026 Declutter campaign awards 2x star
  • ljaneyr
    ljaneyr Posts: 1,135
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    It sounds like you are doing the right thing. With all those motivations for the move, you need to be analytical. Good luck with house number 5 :)
    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    Bought our house 2012 :) Married 2015 :D Started renovating 2015 :eek:
    Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...
  • Alchemilla
    Alchemilla Posts: 6,284
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    Number 6 offers a mortgage reduction, land, closer to work and sweat equity potential.
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