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Supertryer

I had found the sofa I wanted last January and obviously didn’t have the money and didn’t want to opt for finance.
The plan was to save and have enough for the sofa and flooring to pay outright.
well in December a friend asked me what sofa I was going to be getting so I went into the website to show her and it had gone!
I messaged the company and their reply was “it’s been discontinued”.
inwas so upset as we’d been out everywhere looking at sofas and I’d not found any at all apart from this one!

SO since then I thought I’d just continue to save and eventually once lockdowns over and covid has eased off a lot we’d go out sofa hunting again!
Well last night another friend of mine sent me a photo of her new sofa she has ordered, I replied how jealous I was as I’m desperate for a new one and explained to her what had happened with my dream sofa!
I went to google images to find a photo of it and as I clicked it it took me to the website and IT’S BACK!!!!!
I actually can’t believe it 😂

SO plan is to throw everything we can at the savings, and get it ordered and sort the floor 🙈
We are planning on using a small local business to do the flooring just need to choose flooring and get a quote!

Buffythedebtslayer

Supertryer - re the house thing, I am not sure how old you are but why not go for it. Look how far you have come and how much you have learnt. I was surprised to find when I rang a mortgage guy that aside from not having much of a deposit (!) I was in an excellent position despite my age (early forties) and it really spurred me on. 
I think we have overcome the odds re debts - most people live with debt all the time, people here are unusual and so why not be even more unusual? 

xxx

peb

I'm a bit confused. You are renting as I understand it but paying for a new floor?  
This seems dangerous for so many reasons, you could have notice served at any time and it's possible that your landlord won't be happy and you would have to cover the cost of removal of the flooring and reinstating carpet.

Supertryer

Buffythedebtslayer said:

Supertryer - re the house thing, I am not sure how old you are but why not go for it. Look how far you have come and how much you have learnt. I was surprised to find when I rang a mortgage guy that aside from not having much of a deposit (!) I was in an excellent position despite my age (early forties) and it really spurred me on. 
I think we have overcome the odds re debts - most people live with debt all the time, people here are unusual and so why not be even more unusual? 

xxx

I think it’s a case of where we live that puts us off of it ever happening. The house prices are so high. It’s around 450-500k for a bog standard 3 bed here. 
We aren’t able to move to a more affordable area anytime soon as I care for my elderly parents.
Only option would be to buy our current rented home although as yet that’s not been offered to us.

Yoi are totally right though 😍

Supertryer

peb said:

I'm a bit confused. You are renting as I understand it but paying for a new floor?  
This seems dangerous for so many reasons, you could have notice served at any time and it's possible that your landlord won't be happy and you would have to cover the cost of removal of the flooring and reinstating carpet.

We are in social housing. Flooring is our responsibility aswell as decorating, general upkeep and garden care.
We moved in 11 years ago, and had Vinyl put done in every room due to low funds.
Its now wearing in places in the living area and hall which is open planned and high traffic area so needs renewing.

peb

Ah, makes sense.

Have you considered RTB?  Obviously depends on how long you have lived at the property but could help with the discount replacing the deposit.

peb

Just realised you said you'd lived there for eleven years, possibly an option?

Buffythedebtslayer

Supertryer said:

Buffythedebtslayer said:

Supertryer - re the house thing, I am not sure how old you are but why not go for it. Look how far you have come and how much you have learnt. I was surprised to find when I rang a mortgage guy that aside from not having much of a deposit (!) I was in an excellent position despite my age (early forties) and it really spurred me on. 
I think we have overcome the odds re debts - most people live with debt all the time, people here are unusual and so why not be even more unusual? 

xxx

I think it’s a case of where we live that puts us off of it ever happening. The house prices are so high. It’s around 450-500k for a bog standard 3 bed here. 
We aren’t able to move to a more affordable area anytime soon as I care for my elderly parents.
Only option would be to buy our current rented home although as yet that’s not been offered to us.

Yoi are totally right though 😍

I have that problem. I do need a lottery win or utterly crazy dedication to the cause. I am also looking after my mum. I feel horrible saying this but I am hoping if the housing market crashes (sorry everyone) I could buy then... Meanwhile it is save save save and hope for a miracle. 
XX

Supertryer

peb said:

Ah, makes sense.

Have you considered RTB?  Obviously depends on how long you have lived at the property but could help with the discount replacing the deposit.

Well my neighbour bought hers 3 years ago and I did call to enquire and was told the government release RTB not the HA.
we’ve been here 11 years, it seems HA work differently to the local council housing and you can’t enquire unless invited too.
Think its 16k discount from looking online.

Supertryer

Buffythedebtslayer said:

Supertryer said:

Buffythedebtslayer said:

Supertryer - re the house thing, I am not sure how old you are but why not go for it. Look how far you have come and how much you have learnt. I was surprised to find when I rang a mortgage guy that aside from not having much of a deposit (!) I was in an excellent position despite my age (early forties) and it really spurred me on. 
I think we have overcome the odds re debts - most people live with debt all the time, people here are unusual and so why not be even more unusual? 

xxx

I think it’s a case of where we live that puts us off of it ever happening. The house prices are so high. It’s around 450-500k for a bog standard 3 bed here. 
We aren’t able to move to a more affordable area anytime soon as I care for my elderly parents.
Only option would be to buy our current rented home although as yet that’s not been offered to us.

Yoi are totally right though 😍

I have that problem. I do need a lottery win or utterly crazy dedication to the cause. I am also looking after my mum. I feel horrible saying this but I am hoping if the housing market crashes (sorry everyone) I could buy then... Meanwhile it is save save save and hope for a miracle. 
XX

Your never alone in situations as they say.
It is very hard and not easy at all. I have friends who have saved and moved to wales, Sheffield and Manchester from London and the property’s are a lot more affordable!
I could never leave my parents, they have no one else and we’ve already tried carers which was a major fail and very very expensive!!