Time to Face The Music

Sarahwithlove

Great news about the card. 
Also big fan of pork and crackling here. 

RelievedSheff

It will be another no spends day today.

Breakfast, lunch and dinner will be from stores. Breakfast was crumpets, the other half has taken his packed lunch to work, I am having a jacket potato with cheese for my lunch and dinner tonight is a slow cooked venison casserole in a giant Yorkshire pudding with greens.

Todays jobs include:

• working from home
• cleaning the kitchen
• putting dinner in the slow cooker
• submitting the mortgage application
• walking the dog x 2

We decided over the weekend that the boat is going for sale when lockdown ends and we can go to sort out a few jobs on it. We have had it for 13 years now and have done everything that we wanted to do with it. It has no got to the point where it is costing a lot of money each year to just cover the same stretch of river that he has done hundreds of times before. Time to sell up and move on. I put a private ad on a few boating forums and have already had a few enquiries so fingers crossed it shouldn't be too difficult to sell when we can.

Sun_Addict

Will you be getting another boat?

RelievedSheff

Sun_Addict said:

Will you be getting another boat?

No, we won't. For now we are hanging up our life jackets.

We will get a small motorhome instead. There are so many places in the UK and abroad that we would like to visit. A motorhome will be the ideal way to do it.

The money we get for the boat will be used as the deposit on the motorhome. It won't be enough to buy what we want outright but it will be a good chuck of the way there.

We probably won't buy a motorhome straight away after the boat has sold.

Sun_Addict

A motorhome will be brilliant. A retired colleague I still keep in touch with has one. Pre-Covid they were travelling all over, away most weekends. Something to look forward to 😁

RelievedSheff

Sun_Addict said:

A motorhome will be brilliant. A retired colleague I still keep in touch with has one. Pre-Covid they were travelling all over, away most weekends. Something to look forward to 😁

Yes it will be something different for us. When we were properly into the boating we were on it most weekends and holidays whatever the weather. I see no reason why the motorhome will be any different. The finance aside it will also be a damn sight cheaper to keep as well.

We will get rid of my car, so in effect the motorhome will become a spare car for the odd occasion that we need one. We won't have to pay mooring fees as it will be parked on the drive at home. Tax and insurance will swap over from my car to the motorhome, they are a little bit more expensive but not enough to cause a problem. Fuel economy won't be great we know that but it isn't on the boat either!

In other news the mortgage application is in with the bank. It was much easier than I had anticipated. Just waiting to hear back from them what documents they require uploading as proofs. And I have already received a message from the valuers to arrange the valuation of the house.

warby68

That sounds a great change of direction. 
Yep, drooling again, I like venison but have only ever cooked it once myself. 

RelievedSheff

warby68 said:

That sounds a great change of direction. 
Yep, drooling again, I like venison but have only ever cooked it once myself. 

In an ideal world we wouldn't be planning to take on more finance but we have our hearts set on a particular make and model of motorhome so we are going to have to. We will take it over as short a term as possible and certainly no more than 5 years.

Need to get the boat sold first though. Although more enquiries have come in this morning so I suspect once we are out of lockdown it will be a fairly quick sale.

RelievedSheff

Valuation booked in for the house for tomorrow between 8am and 2pm. Really didn't expect them to be able to get us booked in so quickly!

The application seems to be going rather quickly. They have requested latest payslips for both me and the other half so I have submitted those. Just a waiting game now to hear back from the underwriters and the valuers.

alt80

Can’t believe you’re selling the boat mate, motorhome does quite have the same ring to it. Just a bit less envious now. 😆 Seriously, can see why you are - def easier to get away for a weekend via the road network I’m sure. Sounds like the boat will sell quickly once out of lockdown. 

Personally don’t really see a problem with taking finance for something you really want and will get use from so long as you can afford it and have thought it through. Realise I’m being a hypocrite making that comment but certainly my intention for the future.

Glad to hear mortgage app in and the valuers are on the ball no money in my pocket; no instructions from your neck of the woods haha. Shouldn’t be too painful tbh looks a straightforward one from both valuation and underwriting side.

Another one who enjoys venison here so does wife but something neither of us ever think about cooking.