Onwards and the debt goes downwards!

beanielou

Boo to the house.
Good news on the races. 
When do you finally head up north? (to live)

Drawingaline

lucielle said:

Just read the EPC rating for where we live, if the house is an F or more they can’t let it. Ours is an E go figure!  We’ll keep looking.  Booked tickets to go to ladies day at the races. It’s messed up a bit as normally the Monday is a bank holiday. Due the Queens jubilee it’s different this year. May have to pull rank and go in later as we’ve already booked a night at a hotel. Something to look forward to. 

L

The bank holiday thing has caught us out too. Booked a camp thinking I wouldn't need time off work. Nope, Monday is not a bank holiday this year and as the boss is off that week I can't technically be off too 🙄 am a bit !!!!!! off about it tbh. No use to me at the other end of the week!

peb

I seem to spend a lot of time on here unfortunately giving out bad news - I don't know of any lender who will supply mortgage finance when the property is to be let to family.  Check with the lender direct or solicitor (though they may not know) as I've had situations where the mortgage broker has assured the client it will be ok when it isn't.

I have had Nationwide lend to a client when her elderly retired mother was going to live there but that was on the basis that there was no tenancy agreement and no rent paid - they had to meet affordability without a rental income.

Ps, there are exceptions re EPC ratings but I'm too knackered to look them up.  Radiotherapy at 7 am which is Not Fair.

savingholmes

Good luck lucielle and @peb

lucielle

@beanielou the plan to move permanently was 2023.  We currently have an issue with DS2 absolutely hating his job and wanting to come and work for us.  He does plan to go travelling (if the world is open) in November.  I've asked him if he could handle staying where he is until then as it would look a lot better on his CV and then have a gap year.  We could do with an extra hand in the back as (for the time of year, its usually quiet) we're really busy.  The workshops full and we've a 2 week waiting list.  However I don't want him to think it's an easy ride.  I've already said at work we're bosses not mum and dad.  OH would like him to take over the business, unless your hearts in it (I'm not sure it is) and it makes his heart sing I don't think it's for him.  Lots of things ticking over and causing yet more sleepless nights.
L

savingholmes

None of it sounds easy. If your DS wants to travel taking on the business seems unlikely

beanielou

Good for them to travel at that age & get it out of his system.

lucielle

Closed the shop at 12 on Saturday and went to visit SIL and BIL. We had a lawnmower and strimmer to deliver to them. BIL has been diagnosed with MND, OH saw him last and said he’d deteriorated since he’d seen him. My SIL is amazing. I feel so inadequate as there’s nothing I can do, it’s not like I can make a lasagna and everything will be ok. They’re getting the garage converted into a wet room and bedroom, so hoping work will start on the soon. 

On the way home (3 hour journey) OH decided we’d stay in a hotel for a night.  So he booked it while I did the driving. We made the mistake of turning the radiator up. Woke up at midnight due to over heating!!  I’ve got a streaming cold, nose is like a tap. I’ll take a LFT in the morning to make sure it’s not the dreaded ‘Rona then I’ll decide if I’m going to the PT session. Crawling under a rock for a while is the most appealing. 

Saw 3 barn owls on the way home from work and whilst taking the mutts out. Loads of hares about. 

L

beanielou

That's tough 

savingholmes

That's really tough for BIL and SIL. Put's life into perspective.

Nice to see barn owls. Glad you didn't try to rush home.