My journey to a debt free life

Onebrokelady

Sun_Addict said:

Sorry to read you've been so poorly over the weekend but good news that you're feeling more normal today. The downsizing to a residential park sounds like a good option to bear in mind, no point rattling around in a big house all by yourself. 

Thanks SA,it's amazing how different you can feel from one day to the next,i just need to get rid of this cough now before my fortnight off 😊

My house isn't actually that big and would probably be ok to stay in, it's more the steps leading up to it and the size of the garden plus I will always be paying rent, if I can downsize to a two bed park home or even a one bed if I was desperate it would save me money on everything plus it would be all on one level so like a bungalow, it's an idea that's growing on me but I would have to do a lot more research before taking the plunge, I'm sure there must be some downsides to it but I can't think of them at the moment

Onebrokelady

Phew time for a cup of tea,the banana bread is in the oven and I've tidied polished and hoovered downstairs,I've even hoovered up the embarrassing collection of cobwebs in the hallway, it was starting to look like a Halloween grotto out there🙀😀

Ive also sorted the 🐓🐓and they are busy in the garden,just got to hoover upstairs and I am done 🎉🎉

HairyHandofDartmoor

Onebrokelady said:

Sun_Addict said:

Sorry to read you've been so poorly over the weekend but good news that you're feeling more normal today. The downsizing to a residential park sounds like a good option to bear in mind, no point rattling around in a big house all by yourself. 

Thanks SA,it's amazing how different you can feel from one day to the next,i just need to get rid of this cough now before my fortnight off 😊

My house isn't actually that big and would probably be ok to stay in, it's more the steps leading up to it and the size of the garden plus I will always be paying rent, if I can downsize to a two bed park home or even a one bed if I was desperate it would save me money on everything plus it would be all on one level so like a bungalow, it's an idea that's growing on me but I would have to do a lot more research before taking the plunge, I'm sure there must be some downsides to it but I can't think of them at the moment

Glad you're feeling a bit better now OBL. 
Would the site fees on a residential park go up every year? How much would they cost you compared to your mortgage?

Willowtree222

The no moving out is good, OBL. 
Sorry you were feeling so awful. Hope you feel 100% by the time you get your 2 weeks off. x

Onebrokelady

HairyHandofDartmoor said:

Onebrokelady said:

Sun_Addict said:

Sorry to read you've been so poorly over the weekend but good news that you're feeling more normal today. The downsizing to a residential park sounds like a good option to bear in mind, no point rattling around in a big house all by yourself. 

Thanks SA,it's amazing how different you can feel from one day to the next,i just need to get rid of this cough now before my fortnight off 😊

My house isn't actually that big and would probably be ok to stay in, it's more the steps leading up to it and the size of the garden plus I will always be paying rent, if I can downsize to a two bed park home or even a one bed if I was desperate it would save me money on everything plus it would be all on one level so like a bungalow, it's an idea that's growing on me but I would have to do a lot more research before taking the plunge, I'm sure there must be some downsides to it but I can't think of them at the moment

Glad you're feeling a bit better now OBL. 
Would the site fees on a residential park go up every year? How much would they cost you compared to your mortgage?

Thanks Hairy, yes the site fees would rise each year I would have thought, I need to investigate how this works, so currently if I stay in my house when I retire my mortgage will be paid off so I won't have that to pay but I will still have rent to pay, the rent is cheap because it's rented from a housing society, but it does go up every April in line with inflation at the moment it's £202.3 a month and I think it's going up to about £207 ish in April,by the time I retire it will be a lot more so I'm wondering if site fees would be cheaper,I would have to look into it and balance it out, also I'm not sure about council tax and how much that would be, I'm  thinking it would be considerably less than my three bedroom house which is a band C, the cost of fuel is another thing to factor in too

I'm going to research it thoroughly before I decide what to do,I still have several years to go until I retire so plenty of time to make a decision, also anything could happen between now and then so I will wait and see 

Onebrokelady

Nicnak said:

The no moving out is good, OBL. 
Sorry you were feeling so awful. Hope you feel 100% by the time you get your 2 weeks off. x

Yes it's definitely a bonus not having to move out,I used to work with a guy who lived on a holiday park in a mobile home and he had to move out once a year for a couple of months, he used to use that time to go on holiday 😀

I'm hopeful that I will feel a lot better by the time my holiday arrives, I've got four days to recover 😀

Onebrokelady

Well that was a productive day, the house is all ship shape,I've got lovely banana bread to snack on and I made my favourite Gnocchi bake for tea, this does serve four and I usually freeze the rest but the butternut squash never tastes quite right when it's been frozen so I'm sharing it with DD2,we both had it for tea tonight and she will have her other portion tomorrow, I might have chips on my way home tomorrow so will save my other portion for work on Wednesday,if I don't fancy chips I will have mine when I get home and take sandwiches to work on Wednesday
I have mince in the freezer so will make a spag Bol with that on Thursday so that will be Thursday and Friday sorted the rest can go in the freezer and I'm out for a meal on Saturday so won't need anything then
Ive also just checked my bank and was able to transfer another £50 Into the Christmas savings account so that's up to £100 now 😊🎉😊🎉
Its DD 2s birthday on the 5th of March so I have to sort that out next week,I get paid on Thursday though so the money for that can come out of that months budget, I don't know what she wants or what to get her,I haven't asked her yet,it's sort of snuck up on me to be honest 😀 I could have used the £50 I've just put in the savings but I think I'm going to get a fairly good wage this month so I'd would rather put that £50 in the Christmas fund,I can always draw it back out if I need to

Tonight I'm going to watch a drama on telly called Flesh and Blood, it sounds good so I thought I would give it a go,I don't really watch much tv, I tend to only switch it on for certain programmes , last night a new series of Last Tango In Halifax started and I loved that programme so I watched that, it was good and I cant wait for the next episode 

Sunshine_girl2

Caught up with you now, I hope you are on the better side of the virus . Mine had taken about 3 weeks to go altogether, I still have a croaky voice but much better now. The park home is an interesting idea . A friend of mine downsized to a narrow boat in a permanent dock . She really likes it , but definitely not for me. Park home much better. Hope the chicks are ok in all this wind and rain , I wish it would brighten up a bit. 

Have a good week. 

Onebrokelady

Sunshine_girl2 said:

Caught up with you now, I hope you are on the better side of the virus . Mine had taken about 3 weeks to go altogether, I still have a croaky voice but much better now. The park home is an interesting idea . A friend of mine downsized to a narrow boat in a permanent dock . She really likes it , but definitely not for me. Park home much better. Hope the chicks are ok in all this wind and rain , I wish it would brighten up a bit. 

Have a good week. 

Hi sunshine,nice to see you 😊 my main problem now is wheezy chest so I'm hoping that's not a chest infection and that it will just get better by itself ,Im only on day 11 so early days yet, I love the idea of living on a narrow boat but I think that the actual reality of it wouldn't be as much fun as I'm imagining

The 🐓🐓are ok in this weather so long as they have a dry draught free house to roost in,they aren't impressed by being locked in the run when it's raining but it's got a roof so they at least stay dry in there, Im giving them extras mealworms as a treat to cheer them up 😀
I wish it would brighten up too,it was dry for most of today but still dull and grey,I took the dog out at about 7pm and it was actually quite pleasant,no rain and quite mild 😊

Hope you have a good week too 😊

Sayschezza

Would your daughter consider buying a property between you wherever it's convenient to you both and also somewhere more accessible to you.