Future Proofing my life: Deposit saving then MFW journey in under 13 years

savingholmes

Best of luck with getting paid - it feels beyond a joke now. 

Love the advent jewellery and I wore some earring for the first time in a long time this week after people's comments on here. 

My fave pair is a flat hammered large moon and some stars - but I need to find where I put them as they aren't in my box - but I have worn them here so hoping they turn back up.

LadyWithAPlan

@savingholmes the earrings sound lovely!

SandyShores

LadyWithAPlan said:

.....I clearly have too much stuff for a one bed - however as PIP says I could squash in for a short period.
i have things like a huge desk/table, well made lovely one off pieces of furniture, art plus excess clothes which I want to keep and basically a whole house of furniture (and all the white goods) so it means I am not having to buy things for a home as I have everything already.

At present there are no one beds available apparently though that may change in the new year.  
Either my rent goes up nearly £300pm or drops by over £100 pm , or sharing it drops it by hundreds...
So i could save £400pm but  I am not sure the cost and hassle of moving is worth it if I can get moving quickly on the buying ..

i am thinking the breakeven cost of the move vs the hassle of time etc means staying put may make the most sense but all good thoughts!

I agree if you can afford the extra £300pm I would stay put and work on getting things in place ready for your permanent move to your own home.  You're comfortable where you are and have all your lovely things around you.  It leaves you more headspace to work on other things.

LadyWithAPlan

on train heading to see family - despite feeling like I have bought nothing - I do have a large suitcase and a small one .

I did manage to find a present I bought 18 months ago for my mum at one of those immersive art exhibitions  and then put away safely not to be found ..  Also found a couple gifts from last Xmas I didnt gift plus a few other small bits but I am way behind this year.. We have all said (as always) we are cutting down but it never seems to happen .... however I have not had the time to buy so either I shop loads Sunday/Monday as think all too late for even amazon now.
Not wrapped a thing either..

Had a week of London xmas gatherings every night - .. Seen lots of friends and feeling the xmas spirit  - looking forward to 2 days  of no drinking before we start again Xmas eve.
I am back early to London this year after Xmas cos of a big bday bash but not a bad thing with so much on.

Invoices - one client saying bank has returned the money... and do I have another US D bank acct - yes.. but ridiculous as they paid me the normal  way for a decade  - no bank acct change..
Big client paid me a small amount as I pushed (small in context of what I am owed) but promising more next week - they needed something doing and I have been pushing the 'homeless  if you dont pay me what you owe me.' angle
I am paying out big bucks for the side hustle stuff, got a corp tax bill to pay end Dec and SA end Jan.. plus my new deposit will have to be paid if I stay. So want some cash in to stop draining my savings.

My savings are also going to  save me on the affordability but speaking to the new agent she was dumb and clueless on the different between being self employed and being a company director - as in we control what we pay ourselves and stuff like pension is paid thru the company ... I tried explaining but honestly then gave up. She also lied to me about one bed avail as they trying to get the higher prices

Flat - hmmm I can pay a non refundable 'if I change my mind or get rejected' holding deposit  of nearly £400   and then pay the extra £300pm from my current rent ... They are saying that there are no one beds - but we all know lots of people who are moving out - basically if the agent is speaking we know she is lying ,.. (and I cant be bothered to pack/move anyway)
OR there is a legal route - which some are going down - I spoke to the solicitor and we already have a famous barrister on side who came to the meeting and really thinks we have a very strong case.
downside is if we lose the first challenge I will be out in a few weeks as they seek possession 
upside is refuse to sign new contract, keep paying to old agent at our current rent, go to court to get our rights  re-instated  and dont sign with the new agency - (also risk is they could increase rents again in April). This would also mean less pressure on me to find the new job/new home...which is both good and bad.

Ultimately the easy life is to pay extra but I really dont trust or respect  this new agency, my instinct is saying not to sign with them having spoken to the agent and having seen their behaviour and  also the solicitor.. We also got the City Council involved now

Of course I want to buy asap but had only paid this week a small amount of money from my main contract - should be more Monday and without a new contract or them paying me properly i cant get a mortgage ... so all feels in the air. I have some odd 3 weeks +  work already booked  in the spring so will be hard to get a ft in office new job .

I will use the time over NYE wisely to chant/reflect and make decisions.

Watty1

What a stress at this time of year when most of us just want to put our feet up.   Hope the chanting helps you decide on your way forwards.

South_coast

I think the only way to make the "Let's cut down on presents" thing is for one of you to actually do it. If someone then gets offended by getting less, you can point to the fact that you had all agreed you would buy less this time. If you haven't finished your shopping yet, then maybe this is the year to trial it? With not having been paid properly for most of the year and the threat of homelessness/sharp increase in rent, you have plenty of "excuses" to draw on should you feel the need to justify yourself. It's only next year's death cleaning/use-up challenges anyway....

LadyWithAPlan

Thanks @watty1   Yes I am ok as I actually have choices unlike many of my neighbours- but I am
Still not sleeping properly - the options keep on rolling around 

@southcoast - it’s more for the kids who are used to a lot of gifts and I like to treat my mum - we have cut down as the main gift is now split between a few of us but I am actually going to follow thru this year purely cos of time 
- as you say though stuff ends up in landfill so I am only looking to buy things which is on their list - less random stocking fillers (will get sweets etc which can be eaten ) 



today I am
Sorting out what I have got 
writing necessary gifts list 
heading to a large shopping area near my parents 
chant ! 

Some mb as have some free bets plus casino offers 
wrapping 
looking at Amazon 

SandyShores

They say moving house is one of the most stressful things, and I didn't sleep properly all the time we were in the process of buying.  I don't know why but I was just so scared something would go wrong and we were moving out of rental too so had to balance giving notice etc.  We put a deposit down on our new house and were due to complete in April 2020 and of course along came Covid-19.  In the end we were only delayed until June so it all went well, but the whole process felt stressful.  And then, as often happens, I had buyers remorse - its a sense of regret after having made a large purchase - not sure why as I love our house and so thankful to have it, but at the time I had sleepless nights.  Its a bit like having a baby, you're so looking forward to it and then after changing the 50th nappy you're wondering what you were thinking of.  It all comes good in the end though.

I'm absolutely terrible at making decisions, but I read something a while back that said if you can't pick between options, just randomly pick one, as the differences can't be huge (something along those lines). So I've started making very fast decisions and they're not always great, but it saves me a lot of worrying.  I think its the decision inertia I suffer with, so now instead I get real problems to deal with (which is my preference).

I don't know if this helps, but if your current home is only temporary while you are getting ready to buy, my thoughts would be to take the easiest option for now and put your energies into the things you need to do to get that purchase going.

WelshmansDaughter

im reading Algorithms to live by just now, thought you might find it interesting 

LadyWithAPlan

WelshmansDaughter said:

im reading Algorithms to live by just now, thought you might find it interesting 

I will check it out 

@SandyShores I also get the easy option of paying an extra £300 pm but I really don’t like this agent, how the company have behaved and how she spoke - my instinct is don’t sign - I do think what they are doing is wrong and against the law and decent morality - they may also up the rent again in April 

in theory I should start the vetting now and pay the holding deposit (non refundable) but I will wait til next week