Get a grip !

doingitanyway

Congratulations on sale completion. A lot for you to think about now.
I also vote for a garden for you.
Just a thought but NS&I are offering 1.2% so you can stick it all in there for now instead. Instant access and a safe/easy option

Skint_yet_Again

Things have moved on very quickly. A suitable house with garden came on the market near DF and I have had an offer accepted 🤗

Taking into account fees & a combi boiler plus decorating & ripping out the bath to replace with a walk in shower I will have £95k left. It’s exciting and scary at the same time 🤭🫣

When I return to DS’s house down south I will need to decide what to do about my job / pension. I am considering taking one pension now, then I can class myself as retired rather than unemployed for car insurance purposes to save on my premium and I will be guaranteed some extra income (not much after many part-time years!) on top of living on the remaining capital. Once I am settled I will look for a part time job for a few years to stretch the savings. 

Today I have to take proof of ID & proof of funds to the EA (who I went to school with!) 

I will need to arrange a survey and hopefully nothing much will be necessary 🤞

MovingForwards

OMG, congratulations! 

I'm so pleased for you 🎉🍻🎉

You don't need to draw down a pension to be retired, people do retire and live off independent means eg savings, before taking their pension. For the insurance you would be retired rather than unemployed, it's not as if you'd be signing on which would back up being unemployed. Then when you get a job you've decided to come out of retirement.

doingitanyway

🎉🍻🎉 Life changing. Well done you.

Skint_yet_Again

Documents have been handed in to the EA. The solicitor for my sale has agreed to act for me on the purchase even though it is out of his area. I have the names of a couple of surveyors to look into & book a survey next week. The sellers have already moved out & confirmed no upward chain 🤗 Not sure if it’s wishful thinking to hope to be in by Christmas. 

Refund from cancelled Home insurance £75.04 has been credited back onto my credit card bill, so I currently have a credit of £29.73. That will help pay for petrol home. 

Went to the garden centre with DF today and had lunch while we were there. Total spend £20.40 including drinks. 

savingwannabe

Oh my goodness this is wonderful. It has all fallen into place. Hurrah!!!!! I hope you had a good day with DF. So chuffed for you. Is there any chance your work has any connections up north so there is a similar type job you can take on? That is soo much to deal with though. I think you should take your time with a new job as moving home is a huge adventure. I am soooooooooo pleased for you. It is falling into place. 

Chrystal

Brilliant news, and Congratulations on moving back 'Up North' (I'm a bit biased being a Northern lass!)
Take your time and don't drive yourself scatty trying to get everything done in a day.  Things will work out for you.  (((hugs))) XX

MovingForwards

It's all moving in the right direction. I'd mention to the solicitor about aiming for 15/12 as it can happen especially without a mortgage holding things up 🤗

savingwannabe

OMG that is fantastic. We will miss you down here  but sooooooo glad your dreams are coming true. So happy for you!

Skint_yet_Again

Thanks to you all for your kind words and well wishes. 

Tomorrow I need to phone a few surveyors and my pension provider. 

Plus I need to get my finances in order