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Simple living in the country - back to basics

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  • SusieT
    SusieT Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Oh, and I got a RightMove alert this morning, for a slightly unusual house we often drive past. Not somewhere we'd want to live, but I did a few calculations, and it's reassuring that, if necessary, we could sell this place and buy it outright. 

    NOT on the cards any time soon, but I do like to be reassured that there are options should we ever need them, and it's reassuring that if we absolutely needed to, we could move and be mortgage free. 

    Like I say, not on the cards at all, but it's nice for me to keep in mind when I have an occasional wobble about finances.

    Right, on with these present bags 😊
    It is always a relief to know that you could be mortgage free if the poo hit the fan. I am nearly in the same position and hope that by the end of this year I can be there by either paying enough extra or put it into savings as that may be better with the rate I have fixed at.
    Credit card debt - NIL
    Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
    Mortgage 64,513/100,000 End Nov 2035
    2022 all rolling into new mortgage + extra to finish house. 125,000 End 2036
  • Cheery_Daff
    Cheery_Daff Posts: 17,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's a good feeling SusieT isn't it? Mind you, it'll be a better one when it wouldn't involve us moving house in order to do it! 😂 (at which point I will remind myself that we were actually mortgage free before we moved here...) 😂

    Still having a lazy one, but I do need to spring into action at some point! I've retrieved the camping chairs, well, more like lilos with backs than actual chairs 😂 and also rescued the folding bikes from the coal shed, which is, I suspect, several hundred years older than most of the house, and is sadly showing signs of collapse. Perhaps not imminent, but I'd guess it'll be a pile of rubble by the end of 2023 at the latest, and I don't want either the foldy bikes or me to be underneath it 🙄 There's still a load of glass recycling in there but that can take its chances 😂 And Mr Cheery's big bike, which he rarely uses, and which is far more easily replaceable than the folding ones. I'll rescue that at some point, but not today.

    Chickens have had their bedtime porridge, and I've made three present bags. I'm going to put another Call the Midwife on and sew a few more, then spring into action with cooking - I think a simple pasta bake and some mincemeat flapjack, both of which I can take tomorrow for the race, and the leftovers can be part of dinner when our pals come round on Wednesday.

    Getting there, albeit very slowly 🙄

    Oh, and I just remembered the stewed apple I left in the haybox on Christmas Eve 🙄😂
  • That will be very well stewed apple, then! 😂😂

    Have fun tomorrow - although I don’t envy you that early start! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Definitely, I like the warmth of a jumper as opposed to the drafts that a poncho supplies :) 

    Hope it goes well tomorrow!  And that the coal shed stays up for a bit longer 😛
    2023: the year I get to buy a car
  • Oh Cheery what a nightmare. Hope your neck starts to ease soon do you have any arnica that might help
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