The Best View Comes After the Hardest Climb.

Buffythedebtslayer

thanks again for all your thoughts and support. I started my last post ages ago but another evening of the dogs being unsettled meant I was up and down, letting them out, feeding them and generally trying not to kill them I forgot I had started typing. 

If my big dream is to buy a house I need to get on with that. I was thinking about my retirement today, I think so long as society doesn't collapse I would want to run some kind of pet boarding service. This means a house with a garden. So whilst I am aiming for a 2 bed flat, maybe eventually I could buy a house or maybe the housing market will collapse   Meanwhile, I have 4 months left of this year, I plan to divert my general savings to the CC for a bit

End of Sept - 500 to the CC 
End of Oct - 500 to the CC 
End of Nov - 500 to the CC 
(keep a 1000 emergency fund)
(and save1500 to the house fund) 
But pay as much off as I can in between by not spending on ridiculous things. I will have so much work to do hopefully that will stop me spending. 

Then save 700 a month from Jan. I will hopefully be doing more tutoring so that would help. But it is my spending I need to curb. 

I am going to make cocoa. night all XXX 

Ps - more dog issues, I started this two hours ago!  

efes_shareholder

Buffythedebtslayer said:

efes_shareholder said:

can you buy your muims house from her at the cost of what would be owed to your sisters ?
Its something my mum and I have spoken about but it takes around 12 weeks and i've never been confident time was on our side and didnt want to broach it in conversation until mum did.
In hindsight I wish I had done it months ago as at least I would know that I could full steam ahead with a revamp of the house when things changed.

Maybe suggest to your mum to sell up and buy a retirement property , something more managable.

I completely get your concern as I used to worry what I would do should something happen to mum before all my ducks were in a row , I still worry but I have my housesale behind me which gives me the funds to at least have options.
Like you I was only meant to come home short term and it ended up impossible to leave , even before mum got ill I would get guilt trips everytime she thought I was looking to move out.

Mum won't sell the house to, she thinks if she did I would chuck her out. She has a friend who sold her house to her children and the evil so and sos put her in assisted living. Admittedly it was far away from her old house but she was going blind and living alone in a three storey house and had fallen I think. 

I wish I had left. I wish that so hard. I know I shouldn't look back with regrets but I do! Especially this summer. 

Hiya
You made what you felt was the right choice at the time , hindsight is a wonderful thing but sadly we aren't blessed with it. I would have made a different choice 5 years ago if I could go back knowing what I know now but who knows how that would have turned out , it may not have been a better choice.

You are however doing your mum credit and providing her with love and support at a time when she needs it , that is not an easy task and as I well know often goes unrecognised particulary by those closest to you.

Anyway I digress , so what I try and do ( and it doesn't always work for me ) is remind myself that it isn't forever , one day I'll have my own front door and so will you , try and get at least a months rent and a months deposit set aside so that you have choices should you need to make one , I even pick up the odd little sale item for my new home , it helps keep the dream alive 

crazy_cat_lady

I can't even come close to the fab advice that you've had from the lovely people on here Buffy - I'm fortunate to have never been in this situation. But I just wanted to send you a load of love and remind you that if you don't put yourself first then nobody else will. 
Big hug.

Buffythedebtslayer

efes_shareholder said:

Buffythedebtslayer said:

efes_shareholder said:

can you buy your muims house from her at the cost of what would be owed to your sisters ?
Its something my mum and I have spoken about but it takes around 12 weeks and i've never been confident time was on our side and didnt want to broach it in conversation until mum did.
In hindsight I wish I had done it months ago as at least I would know that I could full steam ahead with a revamp of the house when things changed.

Maybe suggest to your mum to sell up and buy a retirement property , something more managable.

I completely get your concern as I used to worry what I would do should something happen to mum before all my ducks were in a row , I still worry but I have my housesale behind me which gives me the funds to at least have options.
Like you I was only meant to come home short term and it ended up impossible to leave , even before mum got ill I would get guilt trips everytime she thought I was looking to move out.

Mum won't sell the house to, she thinks if she did I would chuck her out. She has a friend who sold her house to her children and the evil so and sos put her in assisted living. Admittedly it was far away from her old house but she was going blind and living alone in a three storey house and had fallen I think. 

I wish I had left. I wish that so hard. I know I shouldn't look back with regrets but I do! Especially this summer. 

Hiya
You made what you felt was the right choice at the time , hindsight is a wonderful thing but sadly we aren't blessed with it. I would have made a different choice 5 years ago if I could go back knowing what I know now but who knows how that would have turned out , it may not have been a better choice.

You are however doing your mum credit and providing her with love and support at a time when she needs it , that is not an easy task and as I well know often goes unrecognised particulary by those closest to you.

Anyway I digress , so what I try and do ( and it doesn't always work for me ) is remind myself that it isn't forever , one day I'll have my own front door and so will you , try and get at least a months rent and a months deposit set aside so that you have choices should you need to make one , I even pick up the odd little sale item for my new home , it helps keep the dream alive 

This is very true. There were incidents that made me do this and I wouldn't have behaved any differently in response to those. 

And keeping the dream alive is essential  

Buffythedebtslayer

crazy_cat_lady said:

I can't even come close to the fab advice that you've had from the lovely people on here Buffy - I'm fortunate to have never been in this situation. But I just wanted to send you a load of love and remind you that if you don't put yourself first then nobody else will. 
Big hug.

Hello Lovely XXXX 
thank you XX 
Cannot believe the holidays are coming to an end! 

YIKES! 

Buffythedebtslayer

Just got the news one of my best friends(in the US) is in hospital seriously ill with Covid. 

I am so frightened. so so frightened and praying. 

Can't think of anything else. 

XXX 

Sun_Addict

Sorry to hear that, hope she gets better soon xx

Buffythedebtslayer

thanks XX 

Well I spent the afternoon sitting with my brother in law whilst my sister went an appointment. 

He ate his lunch, he drank a whole cup of tea and then we watched the cycling. Neither of us had a clue what was happening and it was quite a relaxing afternoon. He is really polite and sometimes quite funny. 

I planned all the rooms I want to move round. I am very behind in my list! 

xxx

Sun_Addict

Nice to hear your BIL is enjoying some normal things. I’d imagined he was totally bed ridden and unable to enjoy anything, so that’s really good to hear.

Buffythedebtslayer

Sun_Addict said:

Nice to hear your BIL is enjoying some normal things. I’d imagined he was totally bed ridden and unable to enjoy anything, so that’s really good to hear.

He is bedridden but enjoys watching sport tho the commentators for this were awful and we kept making jokes about them. I think he might have even definitely knew who I was which was nice.