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Hi Woody, (can I call you that?) just sat and read your diary over the last couple of days and I feel like your my doppelganger!
I'm a Lancashire lass but living in Northumberland and self employed. I also spend my time trying to use up UFOs (unidentified frozen objects) and stuff lurking at the back of the fridge.
Also in a quandary about purchasing a house. Every year I go and help at a local farm lamb 900 sheep, plus 3 of my chaps are in agriculture and the other one mends machinery.
Sorry to hear about your employee abusing your trust, it's something that plays at the back of my mind.
Keep posting love your updates
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Also forgot to mention about your spuds and the battle with slugs, have you tried nematodes? You keep them in the fridge and then add them to water when you want to activate them and water them in, they go and eat the slugs. They really worked for me when I was trying to grow veg. I think they're classed as organic as well
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Hello there Lucielle! Yep Woody is fine - I answer to most things - :rotfl:. Thanks for taking the time to read my waffling and for your lovely comments!
Wow, we do seem really similar only your lambing efforts put mine to shame :rotfl:, I do adore lambing though, my fave time of the year.
I have heard of nematodes but never thought of using them, they always sounded a bit scary but they are probably well worth a try. Interestingly though, after last year's really dry summer I don't seem to have as much of a slug problem as I did *touch wood*. I wonder if the dry weather reduced their numbers? I certainly hope so!New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
OK so a bit of a dramatic afternoon occurred today. I rang the agents yesterday regarding the lady who was trying to get a mortgage, just to ask if there was any more news. They looked through their records and told me that she had booked a second viewing on another property and so it didn't seem as though she would be proceeding with ours. Gutted.
Anyway, fast forward to this afternoon, I'm serving in the shop when my phone rang. It was the agents apologising profusely for a huge mix up and asking to gain entry to the house for a viewing NOW! :eek::eek::eek:
It turned out to be the same lady who was getting the mortgage. She had viewed another house in the nearby town on a road with the same name and they had mixed the two up when booking a second viewing in for her.
So she had been standing outside our house for half an hour whilst the agent was waiting 4 miles away for her outside a different property!! I luckily managed to get cover in the shop and shot home to have a quick tidy up* (in 8 minutes flat) before letting the family in to view. Phew.
Upshot is they love it and I'm fairly confident she will make an offer, they were discussing light fittings and curtains and talking as though she had already bought it.
* Please note that this involved shoving the washing up bowl full of breakfast dishes in a cupboard and sweeping all items off worktops into nearest drawers etc etc. We now can't find anything but at least it looked tidy........ :rotfl::rotfl::rotfl:New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
That's my idea of tidying. Though I have to confess I have a cleaner and I'd rather chop my arm off than get rid of her.
Fingers crossed she puts in an offer
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Been following you hope you get an offer soon.0
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Thanks Heatherweed! Nice to see you.
Well we did have an offer but £20k below the 'offers over' price.
We rejected immediately and she is 'thinking about it'. Hoping that tomorrow brings better news.New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
That's my kind of tidying - although like Lucielle I'm lucky enough to have a cleaner to make up for any of my shortfalls. Hope you get a more sensible offer soon....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Thanks Heatherweed! Nice to see you.
Well we did have an offer but £20k below the 'offers over' price.
We rejected immediately and she is 'thinking about it'. Hoping that tomorrow brings better news.
That was a cheeky offer indeed - OI hope she has come back with a revised one. I shall have everything crossed.MFW Start:[STRIKE] Sep 2014 - £110,844[/STRIKE], July 2019 New Home £190,995 :eek:
Current: £82,999.69, £190,972.18, £188,091.57, £180,026.25
2021MFW #97 OP Goal £296.36/£3000
2020MFW #97 OP Goal £3104.09.09/£3000
2019MFW #109 OP Goal £1024.99/£10000 -
Thanks all, she's keeping us hanging on the offer front, no increase yet.
Meanwhile, we are having a lovely weekend and enjoying the weather.
Yesterday was spent at a local agricultural show with my parents and sisters then back to ours for pizzas and an evening around the fire-pit in the garden. One of those magical evenings where it is perfectly still, clear and yet balmy. We toasted marshmallows and reclined our loungers to marvel at the stars, it was absolutely lovely.
Today we are pottering then will watch the annual 'Duck Race' down the brook opposite our house (plastic numbered Duckys, we buy tickets in aid of our village football club, winner gets £500) then we have a fancy dress party tonight for my Cousin's 21st. Another evening with family and we farmers know how to party - should be a 'good do' as they say around these parts.
Hope everyone is enjoying the bank holiday - the next one will be Christmas :rotfl::jNew Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250
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