Prosperous soul in the making

Honeysucklelou2

Well done to your DD. Hope her interview goes well tomorrow.

Re the land issue, I second making sure that you have water. The allotment land we have was bought 10 years ago but has no water. Water butts at the side of the shed will provide so much, but in a hot summer, I end up filling 6 pint milk cartons to water plants!

Do you have any preferences for types of animals that you would prefer to keep?

doingitanyway

I think you are right. I lurk on the pensions and retirement sometimes. They plan and plan and plan and that's good and necessary, but sometimes you just have to jump and find a way to make it work. Or that might just be me!

StripeyTightsSpottySocks

savingholmes wrote: »

Thanks Stripey, Welsh Kitty and Doingitmyway

Yes it is a big relief. Hopefully we will get the news we need tomorrow after the 6th form interview and we can then put that to bed. DD's scooter trainer didn't turn up - we waited an hour for him before abandoning the course and demanding a refund. I think we were fortunate as it turns out he was late because an earlier student had come off their motorbike and landed in A&E - he had then also had to arrange to recover the bike. Re-booked elsewhere for Tuesday instead now. Hoping that one is more successful.

Been reading some of the mse pensions advice tonight - and some of the fire type threads on the pensions board.... So want to run ahead and buy dream property and then find a way of making it work. Just confessing here... I think at the very least we want to go to our bank and understand our likely options - at least then we would know.

DS is coming home tomorrow night - not see him since Feb so can't wait. Want to hug him and not let go - but BIL says that I should go more gently than that and not scare him off LOL.

Lots going on here savings - good luck for the 6th form interview and next scooter lesson for your DD
I bet you are counting down the minutes to seeing your DS and no doubt have his favourite tea planned
It's a great idea to see your bank and see what your options are - oh if i could buy our next property now (not our dream one but one that would work for us so much better) i know the huge positive impact this would have on our lives.
Good wishes to you with all the above

MillennialDebtor

Congratulations to your daughter Fingers crossed for good news from her sixth form today, and enjoy having your DS back!

savingholmes

Thanks to all my latest lurkers and posters - Stripey, Honeysuckle, Millenial Debtor and Doing it anyway

I read on one forum - jump and a net will appear - reminds me to Indiana Jone's leap of faith... But I also get that cartoon image of the person who thought they could fly and instead drops like a stone... I think you have to hold both beliefs in tension, measure the risk and potential pick one and make it work - as we often forget the more hidden cost of staying stuck.

DD got into sixth form. They are going to give her a trial in a subject she under-performed in and get her to pick an extra course as a back up. I've also asked if they can recommend a tutor for the trial course to help her make the grade. I'm relieved about that at least. Really looking forward to seeing DS later - but need to tidy his room, wash the bedding etc before he arrives.

Going to have left over bolognese sauce with jacket spud for lunch. May cook a roast beef dinner for tonight as he missed carvery most in Oz.

MovingForwards

Savingholmes that's wonderful news about your DD, I'm sure she will do well

Enjoy your family roast and have a fabulous weekend x

enthusiasticsaver

I have just finished catching up on your diary SH and good that the PPI claims and packaged bank account refunds have been put in the main towards clearing the debt so your finances look much healthier. Also glad you did not cancel your pension payments and that looks promising for the future. I look forward to seeing you on the FIRE threads on the pension board if that is the way you wish to go.

Interesting discussion about risk and going for your dream. We did that 30 years ago by moving 250 miles away from London to Cornwall and never regretted it but we made sacrifices both in terms of career prospects and moving away from family and friends. I think everything comes at a cost and we just have to weigh it up before jumping. Also put yourself in the best possible place for taking on that risk financially.

clearmydebts

Saving H - delighted to hear that your daughter got into 6th form and that your son is home tonight! I bet you can't wait to see him!!!

savingholmes

Thanks MovingForward - it is encouraging to have people posting...

enthusiasticsaver wrote: »

I have just finished catching up on your diary SH and good that the PPI claims and packaged bank account refunds have been put in the main towards clearing the debt so your finances look much healthier.

I agree - and I know in logical mode - we just need to keep chipping away at the debt. I also know that weirdly there is almost no point doing that if we don't address the underlying reason for the debt.... reasons feel like an iceberg or a tree with roots the depth and width of the tree height and branches. I don't want to just pile up excuses - I do want to dig up wrong beliefs complete with roots though so we get the best possible fruit moving forward - and retain it.

enthusiasticsaver wrote: »

Also glad you did not cancel your pension payments and that looks promising for the future. I look forward to seeing you on the FIRE threads on the pension board if that is the way you wish to go.

I am very glad that I didn't cancel my pension. I deeply regret that in an earlier final pension scheme I was on 50:50 for a while instead of full - but hey we can only move forward from here.

enthusiasticsaver wrote: »

Interesting discussion about risk and going for your dream. We did that 30 years ago by moving 250 miles away from London to Cornwall and never regretted it but we made sacrifices both in terms of career prospects and moving away from family and friends. I think everything comes at a cost and we just have to weigh it up before jumping. Also put yourself in the best possible place for taking on that risk financially.

Very tactfully put - I would happily take that kind of risk of moving away from what we know - but agree with you that we need to be in a better financial place. I am trying to count the cost in my head of running ahead of ourselves ie if we bought a second property or a more expensive one - in terms of utilities, council tax, insurance, mortgage, maintenance etc... never mind additional furniture, higher fuel bills travelling to and fro etc.

I am trying really hard to create a compelling enough vision of the future that we keep moving forward in the right direction rather than relapsing once CCs repaid. Right now that is prioritising DD but we look forward to the day when we can truly choose where to live independent of school and college for kids etc...

savingholmes

clearmydebts wrote: »

Saving H - delighted to hear that your daughter got into 6th form and that your son is home tonight! I bet you can't wait to see him!!!

Thanks CMD - I should get to see him in less than 2 hours now! So excited. :j:j:jOne of the few times in my life I have happily hoovered, made a bed, decluttered etc to get his room looking nice for him. I also paid DD £7 this week to do our washing and put mine away as the washing pile had grown out of control - and I am trying to teach her skills for life and reward positive behaviour. She enforced some decluttering of leggings as part of her payment too LOL. OH has even put some stuff up in the loft for us.