Mooloo’s Managing it in 2018

beanielou

That seems like a real bargain

Could you buy it with your mum?

Savvy_sewing

beanielou wrote: »

That seems like a real bargain

Could you buy it with your mum?

I don't know. Mum parted with a lot of money this week. She has chosen to give my Brother several thousands of pounds for a holiday and of course the Christmas money she gives my sister too.
I get my holiday paid for, so I cannot complain. But I cannot expect her to find about £30,000. It would take all of her savings except her ISA. We cannot do that, as she needs funds incase she ever needs to go into a care home. Although that would be the last resort. I would hope to help with a carer at home before I let that happen. I know that She doesn't want that to happen. But my brother is insistent that she saves for that.
I have been lucky to have had help from her several times over the last few years, and too be honest I would like to turn my fortunes around and do it for myself.
I do know that if she was to depart suddenly then yes I might inherit enough to buy a house outright, but I would rather have my Mum.
Dgs4 has gone now. We've had dinner already, and I will have to think about setting up the sewing machine and making inroads into my trolley of trousers!
Although I am shattered and could easily plan an early night.

Savvy_sewing

I have just finished sewing. I side tracked to sort out my box of threads etc because I had lost the foot from my sewing machine. But I found it. All threads sorted, and back to the trousers and zips. Two replacement zips, and 6 pairs shortened. So £96 worth of sewing. I did bring home a curtain and a dressing gown to do but I think 11 o'clock is late enough.
I am on my own in the shop tomorrow, so I don't expect to get a lot of the sewing done. Anything will be a bonus.
I had a telephone call from the Foster Carer. After she had collected the boys from DS and GF.
She said that it appears to have all gone well, and that the children were happy enough.
I get them at 8am Thursday, I am going to have to take the lad to a trial day at his new Nursery that day.
It appears that two social workers were st the house Friday, and a conversation was had between the contact worker and the support worker and they were all happy with what DS and GF had achieved.
Let's hope that they have learned their lesson, and can conquer the debts and rent arrears next.
For me, I am going to bed now, for a well deserved sleep.
Tomorrow is another new day after all.

candygirl

That house looks amazing Mooloo.Hold on to that dream hun .I want to eventually relocate to Spain, but like you can't leave Mum xx

Eager_Elephant

Amazing house Mooloo - I'm glad you have something to focus on and aim for!!

I have every belief you will achieve this

Savvy_sewing

Eager_Elephant wrote: »

Amazing house Mooloo - I'm glad you have something to focus on and aim for!!

I have every belief you will achieve this

Thanks EE, although now I have shared it someone might snap it up before I can!

I am keeping my bank balances low as possible, and moving everything I can to the savings.

I just got a message from my friend and she has decided to come and help me between 10 and 3. So I can keep sewing after the fittings are done. She has been a huge help since she closed her shop, and she has taken a lot of pressure off of me.

Today is going to be a good day.
Today I am going to hit the targets and customers will come and collect their stuff so my tills will ring!!

thorsoak

My advice to you, Mooloo, would be to commit yourself to buying this house NOW ....that way you most certainly will not have any money in future to bail out DS & his family when they are about to be evicted because of non payment of rent/have no food in the house/no electric/etc etc etc - which will inevitably happen.

Is DGD excited about the proposed dream move to Portugal? Are you including her in the portugese lessons?

*Robin*

That is a lot of house for the money, Mooloo; if it were in the area of Spain where I spend winters, it would have a price tag somewhere around 200,000€!

..So I agree with Thorsoak; get a deposit on it - after checking the rules on how long you have to complete the transaction, of course. [Where we are, that time scale is down to personal agreement between vendor and purchaser - although some agents push their own agenda - so a buyer might have six months or even a couple of years in which to pay the balance. Fail to complete on time and the deposit is lost, but usually the keys are handed over at the same time as the deposit].

Keeping fingers crossed for DS and his family, hoping all goes well for them without you having to step in again, Mooloo.

Rx

Feral_Moon

I agree with thorsoak and *Robin* - get a deposit down on that house when you go to view it. It's amazing for the money and perfect for your future plans.

Even if it means asking your Mum for a few thousand, you don't need to borrow the entire amount. Would she contemplate moving over there with you? I think it would be good for both of you xx

ognum

Feral_Moon wrote: »

I agree with thorsoak and *Robin* - get a deposit down on that house when you go to view it. It's amazing for the money and perfect for your future plans.

Even if it means asking your Mum for a few thousand, you don't need to borrow the entire amount. Would she contemplate moving over there with you? I think it would be good for both of you xx

I think Mooloo you need to think very carefully about moving forward with a Portuguese house before we know what I’d happening with yes, the dreaded Brexit.

A bad deal will mean no health care provision under the recipricole agreement and frozen state pension payments. You can be sure that while there’s s turbulance in Europe no one will buy it.

How will you Mum and DGD cope with having to pay for health care. How will you manage in a rural village without internet to keep in touch with your family. How will you manage if your income from state pension never increases. The sun does not mend everything, I am saying this as someone who has lived in the Caribbean!

No one is going to accept an offer until you are in a position to proceed and once you own it you are responsible for all the bills even if you are not living there. How far I should the nearest school?

Portugal is sadly a place that people are leaving, there is no work and no money for the young people. It is the poor man of Europe. Fab for holidays hard to live. Please plan carefully how you are going to make ends meet.

It is comonly said of expats going to other countries that ‘the only way to leave with a million pounds is to come with two million’.

It’s OK for others to say it’s fab, do it but do not be impulsive.