Sort of debt-free but hope to be a super-scrimper in 2019

Lifeisforliving19

On the politics discussion...I always vote as think what if it was just my one little vote making the difference....I know its not likely, but it makes me get up and go out and put my cross. In the last few years I have got more interested in politics and actually often watch Live at the House of Commons in the afternoons, if it is an interesting debate going on. I find you actually get more of an insight into what has actually been said, rather than just the media showing us only the bits they want to show us. I think a lot of the problems with the public getting irate about Brexit are all fuelled by the media sensationalising everything. It is good that as women, we now have the freedom to become active in these things and are not told that "we wouldn't understand...."

[Deleted User]

HairyHandofDartmoor wrote: »

My mum loved politics too and would have been fascinated yet appalled at all the shenanigans going on at the moment :eek:. She had been known to stay up all night when there was a general election to see the results come in. Whereas I won't lose sleep over it as I know I'll find out soon enough in the morning :rotfl:.

Your Mum and I would have been kindred spirits, HH:j

''Fascinated yet appalled'' exactly sums up my feelings at the current situation:(. I still can't tear myself away though, I'm almost mesmerised by events as they slowly (very slowly!) unfold:eek:


As for staying up all night to find out the results as they're declared I do exactly the same. I don't think I've ever missed an election all-nighter yet:o. OH usually greets me the next morning with ''Who won''? and that's the full extent of his interest:(. In the days when I had to go straight to work afterwards I doubt my employers got full value for money from my workrate:o

[Deleted User]

elizabethhull wrote: »

…. yes, I am VERY VERY grateful for Western living and a Western-raised OH.
These should be top of anyone's gratitude list

Couldn't agree more, Elizabeth:T

Thank you for the rest of your post too. How sad I am to hear first hand as it were of how your friend has to live . I know there will be millions more like her too:(

[Deleted User]

HairyHandofDartmoor wrote: »

I even agee that I would prefer to have the freedom to get into debt :rotfl: rather than be controlled in such a tyrannical way.

Same here, HH:)

I know many of us have been guilty of making poor choices in our lives but at least they were our choices.

[Deleted User]

Lifeisforliving19 wrote: »

On the politics discussion...I always vote as think what if it was just my one little vote making the difference....I know its not likely, but it makes me get up and go out and put my cross. In the last few years I have got more interested in politics and actually often watch Live at the House of Commons in the afternoons, if it is an interesting debate going on. I find you actually get more of an insight into what has actually been said, rather than just the media showing us only the bits they want to show us. I think a lot of the problems with the public getting irate about Brexit are all fuelled by the media sensationalising everything. It is good that as women, we now have the freedom to become active in these things and are not told that "we wouldn't understand...."

BBC Parliament is my 'go to' channel, LifeisforLiving, it's always on in the background here most days. I agree that it's better to hear the range of speakers and their opinions than just the snippets that are spoon-fed to us by the media. I like to make up my own mind about things although some of the speakers are so long-winded that I tend to tune out some of their droning:rotfl:. After a time you get used to recognizing the speakers that you like listening to, on both sides of the House, who usually have something pertinent and interesting to say:j


I think OH is disinterested in voting (although I 'make him' do it nowadays;)) because we've always lived in constituencies where one party's majority was very many thousands and had been for generations. He felt however he voted it wouldn't change the outcome in the slightest.

Suffolk_lass

I just caught up with three days of posts on here and feel as though I have read one of your books CBC! - I just wanted to chip in on the leaving your house thing in wills and POA.

The husband and wife's ownership of the property needs to be as tenants in common - so that each can leave their share of the property - it is commonly used where second families happen in relationships and either or both parties want to leave a share to children from another relationship. It also works for common law relationships. Most of our parents generation are joint tenants - or worse, it is in the husband's name only (1976 before Women could apply for a mortgage without it being supported by a man - often Father or Bank Manager sponsor)

I wanted to echo the need for POA for both health and finance. A fit friend had a health episode on a mountain, resulting in an emergency evacuation and they had to wait until they got hold of his sister before operating as his partner had no legal right to say go. They got married after that! 35 years together and she could not be told how he was as she was not related!

One thing on wills too - reading Beanie's post about her house to her DS but no capital for debts. That asset - your house, is capitalised (ie its' value is part of your capital) at your death, or when you need support, and is part of your estate, so debts would have to be paid out of that asset.

If your DS lives with you, and part owns it, they cannot make him sell his home to pay your debts. If he owned all of it (and there is no tax liability if you gift it, as long as you live 7 years afterwards (to avoid inheritance tax)) - you would need to pay him to live there. My Mum made a one-off payment to my Sis and I to be a single lifetime rent when she gifted her house to us.

Finally - you can buy a will pack in WHSmith (filling it in is a whole other thing... :whistle: )

[Deleted User]

Suffolk_lass wrote: »

I just caught up with three days of posts on here and feel as though I have read one of your books CBC! - I just wanted to chip in on the leaving your house thing in wills and POA.

The husband and wife's ownership of the property needs to be as tenants in common - so that each can leave their share of the property - it is commonly used where second families happen in relationships and either or both parties want to leave a share to children from another relationship. It also works for common law relationships. Most of our parents generation are joint tenants - or worse, it is in the husband's name only (1976 before Women could apply for a mortgage without it being supported by a man - often Father or Bank Manager sponsor)

I wanted to echo the need for POA for both health and finance. A fit friend had a health episode on a mountain, resulting in an emergency evacuation and they had to wait until they got hold of his sister before operating as his partner had no legal right to say go. They got married after that! 35 years together and she could not be told how he was as she was not related!

One thing on wills too - reading Beanie's post about her house to her DS but no capital for debts. That asset - your house, is capitalised (ie its' value is part of your capital) at your death, or when you need support, and is part of your estate, so debts would have to be paid out of that asset.

If your DS lives with you, and part owns it, they cannot make him sell his home to pay your debts. If he owned all of it (and there is no tax liability if you gift it, as long as you live 7 years afterwards (to avoid inheritance tax)) - you would need to pay him to live there. My Mum made a one-off payment to my Sis and I to be a single lifetime rent when she gifted her house to us.

Finally - you can buy a will pack in WHSmith (filling it in is a whole other thing... :whistle: )

Thank you so much for this:T:T:T, I have only skimmed it for now but will be back later and give it my full attention.


Thank you for going to so much time and trouble to write such a comprehensive account of the situation:A. I'm sure lots of visitors to this diary will find it incredibly useful.

HairyHandofDartmoor

carbootcrazy wrote: »

Your Mum and I would have been kindred spirits, HH:j

''Fascinated yet appalled'' exactly sums up my feelings at the current situation:(. I still can't tear myself away though, I'm almost mesmerised by events as they slowly (very slowly!) unfold:eek:


As for staying up all night to find out the results as they're declared I do exactly the same. I don't think I've ever missed an election all-nighter yet:o. OH usually greets me the next morning with ''Who won''? and that's the full extent of his interest:(. In the days when I had to go straight to work afterwards I doubt my employers got full value for money from my workrate:o

Yes I think you and my mum would have got on very well together Carboot .

carbootcrazy wrote: »

BBC Parliament is my 'go to' channel, LifeisforLiving, it's always on in the background here most days. I agree that it's better to hear the range of speakers and their opinions than just the snippets that are spoon-fed to us by the media. I like to make up my own mind about things although some of the speakers are so long-winded that I tend to tune out some of their droning:rotfl:. After a time you get used to recognizing the speakers that you like listening to, on both sides of the House, who usually have something pertinent and interesting to say:j


I think OH is disinterested in voting (although I 'make him' do it nowadays;)) because we've always lived in constituencies where one party's majority was very many thousands and had been for generations. He felt however he voted it wouldn't change the outcome in the slightest.

I do see what you mean about hearing what politicians say for yourself, rather than being given a version that journalists have interpreted.

beanielou

Sulfolk Lass~~So basically my DS would be best to be gifted part of my house now?

tantaraza

Great news on the eBay sales, carbootcrazy! :T

It’s been very interesting reading all about wills and POAs, although I’m afraid I can’t contribute to the discussion there as I have neither I’m another one for staying up all night on election night too, and a voter in the main elections! I appreciate the suffragettes’ sacrifices, although it frustrates me that some people — regardless of gender — vote a particular party “because Mum/Dad/OH are voting for X”. :mad:

Suffolklass I am horrified that women couldn’t get a mortgage independently pre-1976! :eek: That wasn’t so long ago, and it shows how much we still need to catch up on equality.