Mooloo's Joining up the dots in 2017

Savvy_sewing

BF just left for work, he had a small lay in of about 30 minutes or so. I leave him to get ready and I made my cuppa as usual in the bedroom, although today it was a proper cuppa as I was up to the loo around 5.30 so brought some milk up! Yeah much prefer it to the herbal stuff!
My left arm is bad again, and my hands hurt from the wet weather and working late.
Today I am resigned to the fact that I will not get much sewing done as I will be on my own in the shop. So I will just embrace the fact and just get on with the Shop. I can always Sew at home this evening ( but not the specialist jobs.
I am going to have to wake Dgd in a few minutes and take her to Biggests for the day. Which means driving over again this evening to collect her.
But so much better than having her in the shop , although I am having a bright pink futon delivered today that we will put in the corner of the workshop so that in future if any of our children are poorly we can let them sleep there.
In fact as Dgd is getting older it won’t be long before she will be coming home on her own so she can come to the shop and chill then. Rather than being home alone. But not this year.

As I will get limited work done compared to a day with staff I shall just look forward to up selling the habadashery etc if I can get the opportunity and to photograph things and get them on Facebook!
I reckon I can do some of the jobs like patches on jeans etc down stairs. I find the darning stitches quite therapeutic.

Savvy_sewing

Not a stitch sewn so far! But busy anyway!

Savvy_sewing

Morning.
It was 3pm before things went quiet enough for me to start sewing! So only two replacement zips achieved.
When I had taken Dgd to Biggests then I had to unpack the car at the shop then go and park it. The phone was ringing when I got in and from there I seemed to fill my day with calling/texting customers to collect the jobs I had finished, and that brought lots of people in to collect and we had 7 new jobs in. So after I closed at 4pm I wrote up the planner board and we have 38 jobs in to tackle!
The replacement shirt arrived in the post so I then went to Mums to embroider the logo on it.

Savvy_sewing

Saturday girl didn’t turn up today because of the sickness bug. So it was a shame that I had to cancel the sewing lessons. I did use my time to Sew when I wasn’t serving in the Shop. I am rather stressed out and have a terrible tension headache. I am not going to Sew tonight or tomorrow and hopefully I will be back on form on Monday.
I have just arrived at BFs, we have his Dgd tonight as well as mine.

Savvy_sewing

I am sitting up in bed with my diary first, and now my iPhone, listening to BF playing with his Dgd, mine is in her room on her gadgets. We really should be getting up now. I have tried to write myself back into some positive frame of mind as yesterday was quite a tough day for me mentally and physically, actually all week was.
I need today to recouperate and tomorrow morning be positive and ready to work smart to catch up with the work that we have in never mind what will undoubtedly also still come in.
I feel like I have been hit by a steam roller, flat and deflated!
Looking forward to a break now but have until 21st December to get through.

Savvy_sewing

Completely off on a tangent here.
As you all know I am a Housing Association Tenant ( ex council taken over before I became a tenant, and I believe therefore I do not have a right to buy, ( if I was ever in a position too).
So I am a beneficiary of my Mum’s will, 1/3 of the estate.
If I inherit my share, it would not be enough to purchase a similar property etc. It would mean that for a short period of time I would have too much money to claim Tax Credits etc ( which is fine).
It may be enough to purchase a modest property in Portugal but wouldn’t be enough for me to live on if I was to give up my tenancy and move.
So would it be better for me to just forget about my dreams etc and get Mum to by pass me and share it with my children instead?
Then that sounds as if I want to remain on Benefits etc which I really don’t want to do.
I had thought that I had the right to buy my home, and would have tried to buy it, and a small fixer upper in Portugal that Dgd and I used as a holiday Home, and possibly rented our for an income once habitable enough.

So all my ideas of the future are impossible now because I cannot buy, and I believe that I cannot own another property (here or abroad) and still live in our home as a tenant.

The thought that I will be unable to better myself and reach my dreams unless I just emigrated and gave up my life and business here seems rather extreme?

Of course this is just thoughts as Mum is still planning on living for quite a while yet!! She just keeps saying that when she goes I will have xyz for my dreams and in reality it will just replace my Benefits and be gone in a very short time just living. No big dreams achieved etc.
This is another reason for me to really work hard at getting my work to be more profitable and get my income to replace the tax credits before anything happens to Mum!!

annandale

You can live in your home as a tenant and own other property I believe but some landlords screen as to whether you have another home when you are applying to buy council or housing association property.

You can buy some housing association properties under right to acquire.

Eager_Elephant

A lot of HA property's do have a right to buy now - there is certain criteria such as the amount of HA property's in that area so really rural tenants would not be able to buy.

Tax Credits is not based on capital but income so its likely you would still qualify although savings from capital are counted as income.
However it would affect Housing and Council Tax benefit as you cant have over £16k.

Why should your kids get some inheritance before you have even gone? In effect they have had their inheritance over the years that you have given them money. You should definitely have the inheritance from your mum.

If you are already in a HA/council property they cannot evict you for buying another property but as above if you apply for a different home they can take that in to account. Check your tenancy agreement to be 100% sure.

Think I covered all the questions but if not give me a nudge

Savvy_sewing

Thanks EE.
My Housing Benefit is less than £10 a week, less £5 odd pay back of overpaid benefit last time we had an adjustment ( not including any changes since submitting correct accounts). so if I inherited from Mum I think I could live with loosing that.
I would loose the Guardian funding as it is means tested, unless I suppose I use the funds fast? I don’t know.
Can I put funds into a pension plan? Would that be classed differently to savings?
So if I bought a fixer upper in Portugal and just used it for a holiday Home I should be able to stay in my home? That’s great because I can still have part of my dreams then.

I don’t think I will have the right to buy this house as I am sure when I spoke to the Housing officer she said that I couldn’t buy. Although it was a general conversation not a legal application etc.

It would be good to still have a dream then.

Savvy_Sue

I'd check your Right to Buy. As you say, it was a general conversation and she may have been misinformed.