Buffy takes it 6 months at a time

Four_Seasons

sending you hugs xx

beanielou

Sending love Buffster  xxx

Buffythedebtslayer

Sorry, didn't mean to panic people, We had some  very sad news at work - I don't want to share the details as it is (hopefully) pretty specific. and  devastating for the family involved.  
Mum is just as ill as she was the week after Christmas when I almost rung 999, so that is fairly stressful. 
And work is awful. This is so much worse than the first lockdown. I can't quite believe it. 

stymied

Hope you’re ok x

Buffythedebtslayer

stymied said:

Hope you’re ok x

thanks X 

Buffythedebtslayer

Ok so another !!!!!! day in Buffyland. 
And then I sat and searched up houses nearby - more accurately teeny tiny flats. And then I thought about borrowing the deposit or part of the deposit and paying it off quickly (yes I am aware it could saved, bear with me) and I did all these sums. I think I just wanted to feel like I was "doing" something as opposed to just waiting and waiting. And Waiting.  
Any how the upshot was I am now saving 800 pounds for the house each month. I can buy nothing. and then 100 each for Emergency fund and Christmas/Insurance. 
I will be fairly short of money but in a year I will have 9600 (plus the 8650) . I would only need to save an extra 1750 to make it 20,000. 
Just to be completely honest, first I thought it was 750..... and actually now it is 1750 that is 145 extra. Hmm. That might explain why I have such money problems............maybe... 
Also, if I wanted a less pokey flat it would be another 4000. So that would mean saving or making another 350ish. Which would mean in total about 500 extra a month. 
And maybe If I pretend I owe 10,000 I could spur myself on perhaps.....XX 

in_need_of_direction

Can you carve off some of your Christmas savings? Even reducing to £75 per month?

Buffythedebtslayer

in_need_of_direction said:

Can you carve off some of your Christmas savings? Even reducing to £75 per month?

I was allowing 300 for the car, 300 for the rabbits, 300 for the guinea pigs (to cover vets for them) and about 600 for Christmas. This Christmas just past was a bit silly as I spent a stack on Mum. 
I think my absolute best bet is to get a second job. Short term I don't know how I can do that with Mum tho. In fact I don't know what we will do when I go back to work. I just hope whatever she has it is not permanent  as really she will need carers. And how would that be paid for?  Anyhow, We are going to park that whole conversation until after half term. 
XX

juliejim

Sorry to hear you're having such a tough time at the moment and that your mum's health is deteriorating. It's amazing the difference in house prices in different areas. Would it be possible to look at getting a property in an auction? That would be a cheaper option for you.

Jellytotts

Auctions normally need cash payment rather than mortgage.

What will happen with your mum once you've moved out? Can she cope alone?  As for help when you go back to work, you'd be able to get help via social services for a daily/twice daily visit (normally around 15 mins each time) to help her get washed and dressed/take meds, if she needs it.  We had to organise it when my mum had her aneurysm and Dad wasn't coping very well.  

Have you got anything in place incase your mum needs to go into a care home and the house needs to be sold to pay for it?  Would it be worth asking to by your mums house, using your share of any inheritance as deposit and then buying your sisters out?