Alchemausterity

Alchemilla

Morning.

Watty this is how it went, very country-style.

I have been eyeing the house up for ages...someone told my dad it was going on the market, i rang one of their sons and left m

Alchemilla

Bliddy phone...my number. They popped rouns for a cup of tea Thursday eve. We have agreed we will view it when we get a buyer and they are going to give my name to theid agent as already interested so the agent doesn't charge themcomission if we buy it. Woohooo! I don't even know what they are asking but its in the right price bracket.

Now we just need a buyer!!! Being Devon this will not be a quick process. I fully expect it to take six months.

Alchemilla

In MFW news, a month of using "every dollar" has left me feeling a lot richer and less stressed about money. Who knew?!

Tilly_MFW_in_6_YRS

Fingers crossed

Tilly x x

gallygirl

Tilly_MFW_in_6_YRS wrote: »

Fingers crossed

Tilly x x

Seconded :T

Alchemilla

Thanks. Going to do up the "study" aka big landing and the pantry and back yard and get some more pics taken on Friday. DH deputised to put a rocket up agent.

Secret_Saving_Squirrel

Excellent news all round. Regarding the 'every dollar' I cannot believe how much we used to waste. Now I am mindful of every penny and keep a spending diary and suddenly we had money left at the end of the month. Without this mindset we would never have been mf, and retaining it now (despite a few slips...!) is helping us to be able to travel and to retire early.

Keep,the faith!

Squirrel x

Alchemilla

Thanks Squirrel. Just done a mahoosive Liddly shop (its a 34 mile round trip). Off to stress up the estate agent in a mo.

Having not drunk last night, I don't feel the need to eat everything in sight...no ill effects from the elderly mozarella.

Plops later and moderation. DD2 is at ballet.

Now, how to talk DH into 22 acres and sheep? He is very grumpy without booze or maybe its because it is now half term which is when he promised to see the GP.

Alchemilla

Originally Posted by!edinburgher!

My tuppence worth, as always, I recommend a copy of Tim Hale's 'Smarter Investing'!
Minimum amount is £50/mthMinimum worthwhile amount is very subjective. As a guide, £67.95/m will produce £10,000 over 10 years (assuming you use an ISA and obtain a 4% return)Easiest way of doing it (assuming little and often payments) would be to open an ISA with a good value for money provider like Ch@rles Stanley Direct and set up a monthly direct debit. Once you have made a single payment to a fund, you can then top it up at any time with a payment of £100+ Alternatively, if you don't want to set up a monthly payment, you can invest in most funds with a lump sum of £500+You will pay a platform fee (to the ISA provider, 0.25% is as much as you should expect) and a fee for the expenses of running the fund (again, 0.25% or so for 0.5% total cost)The pairs of numbers are ratios of equities (stocks and shares, slices of companies) to bonds (loans to companies, governments etc.) Historically (and generally) speaking, equities generate higher returns, but are riskier, bonds generate lower returns, but are less prone to dramatic falls. Higher equities (left side) means greater potential reward, but higher prospect of volatility on the journeyWhat's right for you? Only invest with money that you could potentially afford to lose, be honest about your attitude to risk, plan for a specific time scale and be realistic about what you need and expectVanguard Life Strategy 60% ACC could be considered a solid core holding for someone hoping to make decent money over time, but who isn't planning on shooting the lights out. I hold 60% and 80% in equal measures so that I'm roughly 70% invested in equities.

Just putting it here so I don't lose it after getting confused and posting on Ed's thread.

Goldiegirl

Secret_Saving_Squirrel wrote: »

Excellent news all round. Regarding the 'every dollar' I cannot believe how much we used to waste. Now I am mindful of every penny and keep a spending diary and suddenly we had money left at the end of the month. Without this mindset we would never have been mf, and retaining it now (despite a few slips...!) is helping us to be able to travel and to retire early.

Keep,the faith!

Squirrel x

Hear Hear


I make every effort to buy when things are on offer, or in sales, or get cashback/earn points etc etc


It's astonishing how each small action mounts up.


It does take a bit more effort, but I wish I'd done this years ago - although I'd have probably said something like 'I don't have time for all that'.


But at least I do it now!