📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

In the Meantime

1164165167169170218

Comments

  • joedenise
    joedenise Posts: 17,838 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Definitely view the bungalow again.  If the property is empty you can probably sneak a look under the carpets to see what the floor is like.

    With the concreted garden that can be a bonus as you get older.  Plants in pots are the way to go.  We have a mainly slabbed back garden with lots of pots.  We still have grass out the front but if anything happens to DH I'll have to empty a gardener to mow it as I can't manage the mower as the ground is very uneven!

  • redofromstart
    redofromstart Posts: 5,894 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 27 March 2024 at 8:23PM
    I don't think concrete is a huge disadvantage if this is the right place for you. Bungalow means you are more likely to stay and a patio of planted pots sounds very attractive. The sandstone wall sounds pretty too. Aubretia cascading. 
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    beanielou said:
    Bungalow sounds fantastic. As you know I like a bungalow. One coming up on my estate this week funny enough! 
    I forgot you have one. Thank you!
    What have they done since you last viewed and tried to buy it. How silly of them.
    The bungalow sounds interesting. Concrete gardens can be removed or have the advantage of gorgeous pots, planters, seating etc.

    Enjoy the snow and scenery. Hope sleep is a little easier tonight.
    Thank you. The pain seems to be easing off so I'm hopeful of a decent night's sleep.

    The bungalow is slightly further from the station 0.6 instead of 0.3 but walkable. I can't describe the garden well. It is just ugly to my eyes, but it could be saved...The entrance is lovely with a small garden at the front. 

    The snow makes this part of Scotland look like a winter wonderland. Just gorgeous  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 22,231 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The bungalow sounds fab and workable problems.  I'd love to be so close to the sea.  It's great to have options, but shame the other house is proving awkward.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm surprised the EA is being so awkward on the first house. You'd think they'd snatch your hands off.

    On the empty property - raised beds sound a lovely way to go. Alternatively you could pay to get the concrete removed. I hate concrete - and there is some here which I am likely to pay to have removed. I prefer paving as you have more control. I have however seen people create lovely courtyard style gardens on concrete settings - sometimes adding decking or a composite style decking. With a nice bench - perhaps with a built in arbour it can look really beautiful with lots of pots or as you say raised beds.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 28 March 2024 at 4:57PM
    jwil said:
    The bungalow sounds fab and workable problems.  I'd love to be so close to the sea.  It's great to have options, but shame the other house is proving awkward.
    Thank you. The bungalow could be made to work. I like it. As you say workable problems. My favourite type of problem  :)
    I'm surprised the EA is being so awkward on the first house. You'd think they'd snatch your hands off.

    On the empty property - raised beds sound a lovely way to go. Alternatively you could pay to get the concrete removed. I hate concrete - and there is some here which I am likely to pay to have removed. I prefer paving as you have more control. I have however seen people create lovely courtyard style gardens on concrete settings - sometimes adding decking or a composite style decking. With a nice bench - perhaps with a built in arbour it can look really beautiful with lots of pots or as you say raised beds.
    I think the vendors want more offers so a bidding situation develops. The EA is just dreadful.  My heart sinks when a property comes up and I realise I will have to having dealings with that EA

    Thanks for suggestions on the empty one
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope the pain settles soon and that you manage to eat. 

    Sorry you're struggling to be creative. Perhaps it's time to refill the well. I can see a beautiful part rainbow out the window. Always makes me smile.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 600K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.