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Fox, did you have a survey on the current house? I seem to remember you didn't. If you did sell and your buyers had a survey it could flag a few things you weren't even aware of! Certainly if the roof needs doing then your buyers are going to negotiate the price down based on that. As someone else said buyers (especially in this market) won't see the new kitchen or carpets as something they would pay more for. It will just make it potentially more appealing.
Are you claiming marriage allowance F and F? Mr F can transfer 10% of his allowance to you and you can claim back 4 years as per Martin Lewis show last night. I think that would work out as £1k just for him filling out a form on the gov.uk site. I do it for my husband as he is a tax payer and my pensions come up to less than my personal allowance at the moment. I think someone else mentioned that further up the thread.
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The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£7000
You may get a better deal by trading your car in at a garage for a cheaper to run smaller car with money back? Also, I think you may get stuck in the sunk cost fallacy by delaying in the hope of getting more money which may never come, when the delay is also costing you, if you see what I mean? Possibly going with WBAC now is better than waiting, then get the cheap smaller runabout with a view to you being able to drive it asap, with money over for your debts. Being able to drive would be brilliant for you Fox, such a boost to your self confidence and it would give you more freedom and choices ⭐️
Not all who wander are lost - J.R.R.Tolkien 🌊 A smooth sea never made a skilled sailor 🌊
So have I got this right You work and worry all the time
You support your husband-NOT your responsibility You support his kids- NOT your responsibility You pay his credit card bills -NOT your responsibility You give him money to do what he wants,car,TV package,phone etc
While he sits at home doing next to nothing.You are grateful if he does little things to help in the house So he can carry on doing nothing. WHY would he change? Now you keep moving to cheaper houses to clear alot of his debt (I know some of it will be yours) Keep having the same conversations with him.He says enough to appease you Still having to borrow,missing debt payments
HELLO !!!! Time to wake up and smell the coffee You keep repeating this same cycle.Eventually you are going to end up with nothing.
Insanity is doing the same thing over and over again and expecting different results- Albert Einstein
Remember only people who say money doesn't matter have already got enough :think:
Hi, @foxandflowers. How are you today? Last night, well around 3am actually, I was awake and thinking of you. You said you lost your dad when you were a child, and your mum when you were a young adult. I believe you are an only child. I know the pain of losing a parent too young, I was in my twenties when my dad died. Without the support of each other I'm sure my sister's and myself would have suffered far more than we did, but even with each other, it was hard. I wonder how much this has affected you. Whether your spending is, in any way, related to your loss? Have you ever had counselling? Just a few thoughts of someone unable to sleep! I
While you are in this house, and spring is on it's way, can Mr fox get digging a vegetable plot. Save a bit on food cost, give him something to do, and may be a good, free, hobby for miss fox to help with.
Estate agent would like us to go on market at 215k. She thinks she can achieve a sale for that price within 30 days, which seems rather optimistic, but equally, it's a reasonable price for the size of the property. I'm not naïve enough to think I would get back every penny I've spent on the house. I would accept £210k. After fees and moving costs, which I estimate to be 10k, although the reality is they are likely to be closer to 6.5k as we will be continuing to jettison stuff and would be able to load everything aside from furniture in the van, that would leave me with "ground zero" figure of 200k.
She thinks I should go in at 145k on the house we like. I think its cheeky to knock 15k off asking, although I do think it's on for too much. I'd potentially chance it, and if not go at £150k. Which would leave me moved, debt free. And the car is now supposedly live with Motorway, so that will fund my savings pots for the initial boost they require.
It's a lot to think about.
❀ total
debt at LBM 01/2023: £47,178.76 ❀ debt at highest point: £51,062.14❀
£1600+ made on vinted since 2023 ⚜ we could get better, because we're not dead yet - frank turner. ❧ ------------------------------------------------------------------------
I’ve been following your diary. You work so hard. Will you being moving with just your daughter?
I'm going to refrain from commenting on your household situation. You have been give some amazing advice on here by people, sometimes hard to hear I guess, but it comes from a place that has your health, wellbeing and future first.
It just feels too risky to me. All too often the house you’re looking to purchase doesn’t work out, then all the money from the car would be gone on sunk costs and you’d be no further forward. Or as you said yourself, it would be disastrous.
The Stepchange managed debt realistically doesn’t matter - £99 per month and it’s out of mind.
You have a house with the right number of bedrooms in your dream area that has a lot of potential. Sort the income situation by claiming what you’re entitled to and you should be reasonably comfortable especially with your pay rises coming up x
