Enjoying the Sunshine whilst Saving for the Rainy Day

kerri_dfw

Yes I have the green lidded stuff, it stores all my flour, lentils, rice etc and makes me very happy when I go into the cupboard. We don't seem to have a tower of tupperware though as I use it before it all falls out the cupboard. OH does c0ck it up trying to put it away, that was spectacular this morning, but if I'm doing it then it's less like the tower of piza.

debtfreewannabe321

abba1772 wrote: »

The minding the kids part is easy once you get in a routine with them it's the paperwork that kills me there's so much of it it's unreal glad I'm not in England anymore as when I childminded down there the paperwork was more intense they seem to forget childminders exist to provide a home from home environment xx

I child mind for a friend, and although i've done the course before and qualified as a childminder we are sort of doing it on the side if you like, she wasn't bothered about me filling the forms out and I didn't really want to! Suppose there will be people to frown at me but not really bothered. I've baby sat for her dozens of times over the past 5 years and she trusts me so I kind of see it as babysitting. I don't get paid as much as a childminder because i've not gone down the correct route but I don't see this as a long term thing (thankfully :rotfl:) and i'm not sure she does but her nanny left her for a job in a school and i think it suits us both for now

debtfreewannabe321

kerri_dfw wrote: »

Yes I have the green lidded stuff, it stores all my flour, lentils, rice etc and makes me very happy when I go into the cupboard. We don't seem to have a tower of tupperware though as I use it before it all falls out the cupboard. OH does c0ck it up trying to put it away, that was spectacular this morning, but if I'm doing it then it's less like the tower of piza.

:rotfl: I think this is what's done it. I had it all sorted and knew where everything is and then DH did the drying up and putting away a few times and that was it. Complete chaos! I need to sort it all out just in time for him coming home to ruin it all again :eek:

AlexLK

debtfreewannabe321 wrote: »

I'm childminding 3, have 3 of my own and was being far too nice to the neighbour's kids, does that make sense? :rotfl: The neighbour's youngest child is lovely and in the same class as my middle child. The neighbour's eldest is a bloody pain in the butt and answers back non stop, is too rough with the younger kids and drives his mother to distraction (and wine) and is always grounded. So goodness knows why I thought he would be better behaved in my garden rather than theirs! They are to play across the fence with each other now although this morning even that caused tears as he threw his football at one of the smaller kids by accident ....WHY play catch with a big heavy football, grr!

Wow, really does sound like you've got your hands full, sometimes my wife and I have all on coping with one.

abba1772

debtfreewannabe321 wrote: »

I child mind for a friend, and although i've done the course before and qualified as a childminder we are sort of doing it on the side if you like, she wasn't bothered about me filling the forms out and I didn't really want to! Suppose there will be people to frown at me but not really bothered. I've baby sat for her dozens of times over the past 5 years and she trusts me so I kind of see it as babysitting. I don't get paid as much as a childminder because i've not gone down the correct route but I don't see this as a long term thing (thankfully :rotfl:) and i'm not sure she does but her nanny left her for a job in a school and i think it suits us both for now

As long as it suits you both that's the main thing xx

I left my job to do the childminding thing in November but with our little surprise i had to put it on the back burner but its worked put in the end as I get to work from home and spend time my baby and be there for the kids after school xx

debtfreewannabe321

Morning all, lovely day here today, I hope it holds off so I can put the washing out and also take the kids out for a few hours I have a hangover this morning so feeling a little delicate I only 3 glasses and small ones at that. I just can't hack it anymore I must be getting old :rotfl:. We've roast chicken for today and i'm debating doing it in the slow cooker will google it in a moment. Otherwise we can't go very far for very long because I will need to be back here to make the dinner! Also need to make fruit loaf (use up bananas that are languishing in the corner of the kitchen :eek:) and some wholemeal bread as i've finally run out of h0vis! Also going to see if I can push back doing the shopping until Tuesday. If I can stretch it an extra day each week I can definitely make my budget go further.

I have spent an hour with my cup of tea on t'internet looking at houses to buy after 2 friends here are doing the same wish I hadn't bothered!!! I will need a much bigger deposit than £25k for what I was looking at! They weren't anything too fancy either, just 4 beds with big garden but not huge, all on estates (which I would rather not do, but need to add an extra £10-15k for one off the estates) bah, it's annoyed me somewhat! Perhaps I should just do what everyone here is doing and buying new builds as the government will help with 20% loans and the army will allow you to draw from your pension early as a deposit for a house. I'd rather not though if we can help it! It's all too confusing to me and I don't understand it, especially with a hangover!

The kids' made themselves breakfast this morning. Weetabix. It was everywhere when I got up :eek: but at the same time I was very proud of them for taking initiative for doing it and not killing themselves or trashing the kitchen whilst doing it :rotfl:.

Going to do the banking this morning and set a budget for the week's shopping and also the dinner out next Saturday. Hoping to have enough so I don't need to raid emergency. Have to do the ironing today, anyone that reads regularly will know I despise this job but I only do the uniforms so hopefully it won't take too long !

Eager_Elephant

debtfreewannabe321 wrote: »

I have spent an hour with my cup of tea on t'internet looking at houses to buy after 2 friends here are doing the same wish I hadn't bothered!!! I will need a much bigger deposit than £25k for what I was looking at! They weren't anything too fancy either, just 4 beds with big garden but not huge, all on estates (which I would rather not do, but need to add an extra £10-15k for one off the estates) bah, it's annoyed me somewhat! Perhaps I should just do what everyone here is doing and buying new builds as the government will help with 20% loans and the army will allow you to draw from your pension early as a deposit for a house. I'd rather not though if we can help it! It's all too confusing to me and I don't understand it, especially with a hangover!

Have a look on here for threads about Barratt Homes and the like - some of it is scary reading.

If you intend to stay put for ever you are fine but need to move again and this is when things get messy.

I am seeing a client at the moment who is in a sticky situation with Barratts - she did one of these 80% purchase with a 20% interest free loan and it has not worked out for her.
Can't remember exact figures but lets say she purchased the house for £100,000 so needed a mortgage of £80,000 which she got and the 20% is payable after 10 years or if you sell before the 10 years.

Fast forward 5 years and my client has a toddler, a baby and her husband and her in a 1 bed flat with no prospect of moving as the house value is now £86,000.

So 'if' she was allowed to sell it - Barratts should give permission as they have a 2nd charge on the house in the form of this loan she will have to pay off the mortgage which is still £80,000 as it is interest only and pay Barratts £17,200 which equals £97,200 but the house is only selling for £86,000 plus there will be solicitors fees etc.

Barratts are not willing to communicate except to say she can move to a town 30 miles away and have a 3 bedroom house and port the mortgage. They and the client did not even think about whether they could port the mortgage to a new house and take on extra as she is now on a lower wage due to working less hours so won't qualify for a higher mortgage.
Barratts of course are only interested in what they can get.

I outlined the options for the clients and 'luckily' they have just received a small inheritance and with that they are going off to rent privately and are handing the keys back to the lender who can deal with the problem of selling the property.
When I rung the lender even they weren't keen to have it back because of all the problems involved with this type of mortgage and the fact that Barratts get a say in how much it can be sold for.
Lender confirmed only them and 1 other bank offer these type of mortgages because there is so much risk!!!

So really what I am trying to say is think carefully about what you are doing and do your own research.

Eager_Elephant

OOh forgot to say don't rush into anything but once the houses are all built go and have a look at the estate where you might consider buying - I am sure you won't like it.

I am a country girl at heart so like my space, my DH is a country convert but came from an estate and even he hates them.

I had to drive round an estate recently and it was terrible - there is not enough parking so the paths and roads are just full of cars parked all over the place - you can barely fit 1 car between people who are double parked - goodness knows what would happen if a fire engine wanted to get through.

The houses look big but the rooms are smaller than they used to be years ago so they can fit more rooms in and ask for a higher price. The show rooms have smaller than usual furniture in so you get the feel that it is the same as other houses.

The gardens are tiny - some people like that because it is less work but I love a massive garden so the kids can run around.

Also all the houses seem to be on top of one another so there is no privacy.

I reckon you would be better off buying an ex-council house where most of the houses are privately owned, then you get the big rooms and the big gardens and just a straight forward mortgage.

kerri_dfw

Or an Edwardian terrace ours is huge, there's room for a big loft conversion and we've a lovely sized garden too. It's the type of house we want to buy when we buy. But don't forget DfW you want to live up t'north where house prices are much cheaper than the pricey south. Take a peak and I bet you'll feel better about what your savings will buy you xx

debtfreewannabe321

We spent this morning/lunch time out with the dog tiring him out whilst out DD & DS2 wanted to pick some blackberries so we filled up (unused) doggy bags with lots of scrummy ripe ones (and the kids snuck a few in not so ripe :rotfl:) . They've been washed not and the red ones picked out (the kids wouldn't have it that they weren't raspberries :cool:) and i've laid them on trays and put in the freezer for now. Will bag them up tomorrow and keep in freezer for crumbles etc. We got 854g (after picking out not ready ones!) :T May have to go back out again when kids are at school and collect some more I could perhaps freeze enough for over winter :T I found a crab apple tree too but they were tiny and didn't look ready will have a look on net and see when they should be ready to pick.


I got home and got the washing in just in time for the downpour :eek: !! I've got a roast on and a fruit loaf in the bread machine cooking away. Will put it on timer tonight and make some bread in it!